Eliminate vs Payfin
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Eliminate
This app helps you track and pay down debt without connecting to your bank. It visualizes your debt-free date, offers payoff strategies, and sends payment reminders. Your financial data remains private and stored only on your device.
- Visualize debt-free date
- Snowball or avalanche payoff methods
- Payment reminders and alerts
- Track interest savings
- Log extra payments easily
- Data stored locally
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Take control of your debt and start building the future you deserve. Eliminate is a private, powerful debt payoff planner that lives entirely on your device. No accounts. No servers. No syncing. Your financial data never leaves your device. Whether you're juggling credit cards, personal loans, or other debts, Eliminate gives you the tools to track everything, plan your payoff strategy, and watch your progress in real time. DEBT PAYOFF STRATEGIES Choose between the Avalanche method (highest interest first) or the Snowball method (smallest balance first) to find the approach that works best for you. See exactly when you'll be debt-free and how much interest you'll save. TRACK ALL YOUR CARDS & LOANS Add your credit cards and track balances, APRs, limits and minimum payments in one place. With Pro, add car loans, student loans and personal loans too — loans show how much you have paid off rather than credit utilization, and they join your payoff plan automatically. MONTHLY BUDGET PLANNER Set a monthly budget, log transactions, and see exactly where your money is going. Stay on track every month. RECURRING TRANSACTIONS Set up recurring expenses so your budget stays accurate without the extra work. CHARTS & VISUALIZATIONS See your debt payoff timeline, balance trends, and progress charts at a glance. Watching your debt shrink has never felt so good. PAYMENT TRACKER Log payments as you make them and see at a glance when each card or loan is due next. Never lose track of a payment cycle. BACKUP & RESTORE Export and import your data anytime so you never lose your progress. COMPLETELY PRIVATE Eliminate is built with privacy at its core. There are no accounts to create, no data sent to servers, and no third parties with access to your financial information. Everything stays on your device. Always. FREE & PRO Get started for free with up to 3 credit cards. Upgrade to Pro for unlimited cards, loan tracking, full debt payoff tools, charts, recurring transactions, and more. Pro plans: Monthly subscription with a 7-day free trial Yearly subscription with a 7-day free trial (save 30%) Lifetime: one-time purchase Prices are shown in your local currency in the app and at checkout. Pay it down. Own your future. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://eliminateapp.com/privacy.html
Payfin
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Payfin turns a pile of debts into one clear picture: a single remaining balance, a projected debt-free date, and a plan to follow. Add what you owe, log each payment, and watch your total move as the payoff ring fills. Choose the method that fits you — avalanche (highest APR first) or snowball (smallest balance first) — and see how your projected debt-free date and interest change. FREE • Track one debt with the signature payoff ring and balance • Log payments and follow your progress • Pure-black dark and clean light themes PRO • Track unlimited debts • Avalanche & snowball planners with month-by-month projections • Projected debt-free date and monthly interest breakdown • Payment reminders and milestone moments • Home-screen widgets for your balance, next payment, and trajectory • Exclusive themes, accent colors, and app icons • Run "what-if" scenarios with extra payments and rate changes Payfin is a personal record-keeping and planning tool. Projections are estimates based on the numbers you enter — not financial advice. SUBSCRIPTION Payfin Pro is $4.99/week with a 3-day free trial, or $29.99/year. Payment is charged to your Apple ID at confirmation. Subscriptions auto-renew unless canceled at least 24 hours before the end of the period; manage or cancel anytime in App Store settings. Privacy Policy: https://hs0929.github.io/payfin/privacy/ Terms of Use: https://hs0929.github.io/payfin/terms/
Screenshots
Verdict
The clearest difference is update cadence: Eliminate at every 4 days against Payfin's every 3 weeks. Eliminate also leads on device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Eliminate sells 3 in-app purchases, starting at $2.99 per month and Payfin sells 2 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.
Eliminate ships an update every 4 days, Payfin every 3 weeks. Both last shipped on October 24, 2026.
| Parameter | Eliminate | Payfin |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 4 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 3 MB | 71 MB |
| Age rating | 4+ | 4+ |
| Developer | Eliminate LLC | Eunbi Go |
In-app purchases
Eliminate
- Eliminate Pro Monthly$2.991 Month
- Eliminate Pro Annual$24.991 Year
- Eliminate Pro Lifetime$39.99
Payfin
- Payfin Weekly Premium Subscription3 Days trial$4.997 Days
- Payfin Yearly Premium Subscription$29.991 Year








