# LoanTracker vs Zero Debt

The clearest difference is in-app purchases: LoanTracker at none against Zero Debt's 3. Zero Debt's advantage is update cadence (every 3 days vs every 5 weeks). 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. LoanTracker asks for nothing beyond the download.

LoanTracker ships an update every 5 weeks, Zero Debt every 3 days. The most recent releases landed on October 10, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | LoanTracker | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 days** |
| Monetization | Freemium | — |
| Size | 10 MB | 16 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [磊 刘](https://appshunter.io/developer/1892400556) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### LoanTracker

[App page](https://appshunter.io/ios/app/loantracker-debt-manager/id6787019815)

Manage all your loans in one place, from mortgages to personal loans. Automatically calculates monthly payments and generates clear repayment schedules. Receive timely reminders to avoid missing any due dates.

**Highlights:** Unified loan management, Automatic monthly payment calculation, Multiple repayment methods, Early repayment calculator (VIP), Detailed repayment schedules, Repayment reminders, Local data storage

**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 LoanTracker free?

LoanTracker 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 LoanTracker or Zero Debt have ads?

Neither LoanTracker nor Zero Debt shows ads.

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

LoanTracker ships an update every 5 weeks, and Zero Debt every 3 days. Most recently, LoanTracker was updated on October 10, 2026 and Zero Debt on October 11, 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.*