# 还款助手 vs Payoff Path

The clearest difference is ads: 还款助手 at none against Payoff Path's shown. 还款助手 also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.0). Payoff Path's advantage is update cadence (every 3 days vs every 3 weeks). On price 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 Payoff Path sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

还款助手 ships an update every 3 weeks, Payoff Path every 3 days. The most recent releases landed on October 31, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | 还款助手 | Payoff Path |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Every 3 days** |
| Size | 13 MB | 9 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) | [Shogo Yoshida](https://appshunter.io/developer/1892036897) |

## 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 |


### Payoff Path

[App page](https://appshunter.io/ios/app/payoff-path-debt-tracker/id6816467747)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $5.99 | 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 Payoff Path free?

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

### Do 还款助手 or Payoff Path have ads?

Payoff Path shows ads; 还款助手 does not.

### Which is updated more often, 还款助手 or Payoff Path?

还款助手 ships an update every 3 weeks, and Payoff Path every 3 days. Most recently, 还款助手 was updated on October 31, 2026 and Payoff Path 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.*