# 还款助手 vs Zero Debt

The clearest difference is update cadence: Zero Debt at every 2 days against 还款助手's every 3 weeks. 还款助手's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 17.0). On price, ads and in-app purchases there is nothing between them.

Both are free to download. 还款助手 sells 3 in-app purchases, starting at $1.99 per month and Zero Debt sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

还款助手 ships an update every 3 weeks, Zero Debt every 2 days. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | 还款助手 | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 days** |
| Size | 13 MB | 13 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [坤宗 李](https://appshunter.io/developer/6791103091) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### 还款助手

[App page](https://appshunter.io/ios/app/id6792243161)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 月度会员 | $1.99 | per month |
| 季度会员 | $3.99 | per 3 months |
| 年度会员 | $9.99 | per year |


### 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 还款助手 free?

还款助手 is free to download, with in-app purchases available.

### Is Zero Debt free?

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

### Do 还款助手 or Zero Debt have ads?

Neither 还款助手 nor Zero Debt shows ads.

### Which is updated more often, 还款助手 or Zero Debt?

还款助手 ships an update every 3 weeks, and Zero Debt every 2 days. Most recently, 还款助手 was updated on September 23, 2026 and Zero Debt on September 25, 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.*