# Paycheck Debt Planner vs Lift Debt

The clearest difference is in-app purchases: Lift Debt at none against Paycheck Debt Planner's 1. Lift Debt also leads on iOS requirement (13.0 vs 15.0). Paycheck Debt Planner's advantage is update cadence (every 3 days vs fortnightly). On price, ads and device support there is nothing between them.

Both are free to download. Paycheck Debt Planner sells 1 in-app purchase, starting at $4.99 per month. Lift Debt asks for nothing beyond the download.

Paycheck Debt Planner ships an update every 3 days, Lift Debt fortnightly. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Paycheck Debt Planner | Lift Debt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Freemium | — |
| Size | 11 MB | 45 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Jason Snyder](https://appshunter.io/developer/6773201372) | [Denis Christian Grzybek](https://appshunter.io/developer/6787035145) |

## What reviewers say

### Paycheck Debt Planner

[App page](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250)

This app helps you manage your finances by tracking bills and debts. It calculates required payments, identifies extra cash, and guides you on where to allocate it for debt payoff and savings goals. Features include real-time plan updates and secure local data storage.

**Highlights:** Guided setup for first-time users, Bill and debt payment tracking, Debt payoff strategy selection (snowball/avalanche), Savings and emergency fund goal tracking, Real-time plan updates with swipe-to-pay, Local data storage for privacy, App lock with biometric authentication

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Paycheck Debt Planner Premium | $4.99 | per month |


### Lift Debt

[App page](https://appshunter.io/ios/app/lift-debt/id6787035143)

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

**In-app purchases:** none


## Frequently asked questions

### Is Paycheck Debt Planner free?

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

### Is Lift Debt free?

Lift Debt is free to download, with no in-app purchases.

### Do Paycheck Debt Planner or Lift Debt have ads?

Neither Paycheck Debt Planner nor Lift Debt shows ads.

### Which is updated more often, Paycheck Debt Planner or Lift Debt?

Paycheck Debt Planner ships an update every 3 days, and Lift Debt fortnightly. Most recently, Paycheck Debt Planner was updated on October 24, 2026 and Lift Debt on October 31, 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.*