# Cushion vs PayDown

The clearest difference is in-app purchases: PayDown at none against Cushion's 3. PayDown also leads on update cadence (every 11 days vs every 2 months) and iOS requirement (16.4 vs 26.0). On price, ads and device support there is nothing between them.

Both are free to download. Cushion sells 3 in-app purchases, starting at $4.99 per month. PayDown asks for nothing beyond the download.

Cushion ships an update every 2 months, PayDown every 11 days. The most recent releases landed on October 31, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Cushion | PayDown |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paydown-bnpl-tracker/id6796058260/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 11 days** |
| Monetization | — | Free |
| Size | 4 MB | 46 MB |
| Requires iOS | 26.0 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Justin Pruskowski](https://appshunter.io/developer/466301805) | [Andrew Carr](https://appshunter.io/developer/1822090504) |

## What reviewers say

### Cushion

[App page](https://appshunter.io/ios/app/cushion-safe-to-spend/id6782220727)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cushion Pro Monthly | $4.99 | per month |
| Cushion Pro Annual | $24.99 | per year |
| Cushion Lifetime | $59.99 | one-time |


### PayDown

[App page](https://appshunter.io/ios/app/paydown-bnpl-tracker/id6796058260)

Track all your buy now, pay later plans and other debts in one place. See your exact debt-free date and get personalized payoff strategies. It's designed for privacy with no bank logins or ads.

**Highlights:** Consolidated payment schedule, AI-powered statement parsing, Projected debt-free date, Debt payoff strategy comparison, Safe-to-spend calculation, Home screen widget

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

**In-app purchases:** none


## Frequently asked questions

### Is Cushion free?

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

### Is PayDown free?

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

### Do Cushion or PayDown have ads?

Neither Cushion nor PayDown shows ads.

### Which is updated more often, Cushion or PayDown?

Cushion ships an update every 2 months, and PayDown every 11 days. Most recently, Cushion was updated on October 31, 2026 and PayDown on November 6, 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.*