# Debt Payoff vs Zero

The clearest difference is ads: Debt Payoff at none against Zero's shown. Zero's advantage is update cadence (weekly vs monthly). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Debt Payoff sells 2 in-app purchases, starting at $3.99 per 7 days and Zero sells 7 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Payoff ships an update monthly, Zero weekly. The most recent releases landed on October 25, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Debt Payoff | Zero |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Weekly** |
| Size | 1 MB | 13 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [App Harbour ApS](https://appshunter.io/developer/1858231299) | [APPCITY Limited Liability Company](https://appshunter.io/developer/1534242389) |

## What reviewers say

### Debt Payoff

[App page](https://appshunter.io/ios/app/debt-payoff-snowball-plan/id6770477558)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Premium | $3.99 | per 7 days |
| Annual Premium | $29.99 | per year |


### Zero

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6781073044)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Plus Monthly | $4.99 | per month |
| Zero Plus Yearly | $29.99 | per year |
| Small Tip | $2.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |
| Zero Plus | $14.99 | one-time |
| Zero Plus Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Debt Payoff free?

Debt Payoff is free to download, with in-app purchases available.

### Is Zero free?

Zero is free to download, with in-app purchases available.

### Do Debt Payoff or Zero have ads?

Zero shows ads; Debt Payoff does not.

### Which is updated more often, Debt Payoff or Zero?

Debt Payoff ships an update monthly, and Zero weekly. Most recently, Debt Payoff was updated on October 25, 2026 and Zero on October 20, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*