# Heo vs Zero Debt

The clearest difference is in-app purchases: Heo at none against Zero Debt's 3. Heo also leads on update cadence (daily vs every 3 days). On price, ads, device support and iOS requirement there is nothing between them.

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

Heo ships an update daily, Zero Debt every 3 days. The most recent releases landed on October 2, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Heo | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Daily** | Every 3 days |
| Size | 18 MB | 16 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Khoa Tran](https://appshunter.io/developer/1523512472) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### Heo

[App page](https://appshunter.io/ios/app/heo-expense-tracker/id6782393356)

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

**In-app purchases:** none


### Zero Debt

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6797665696)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro | $39.99 | per year |
| Zero Pro Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Heo free?

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

### Is Zero Debt free?

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

### Do Heo or Zero Debt have ads?

Neither Heo nor Zero Debt shows ads.

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

Heo ships an update daily, and Zero Debt every 3 days. Most recently, Heo was updated on October 2, 2026 and Zero Debt on October 11, 2026.

---

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