# PayDown vs Vadem

The clearest difference is in-app purchases: PayDown at none against Vadem's 2. PayDown also leads on iOS requirement (16.4 vs 18.0). Vadem's advantage is update cadence (every 5 days vs every 11 days). On price, ads and device support there is nothing between them.

Both are free to download. Vadem sells 2 in-app purchases, starting at $0.99 per month. PayDown asks for nothing beyond the download.

PayDown ships an update every 11 days, Vadem every 5 days. The most recent releases landed on November 6, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | PayDown | Vadem |
| --- | --- | --- |
| 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 | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 11 days | **Every 5 days** |
| Monetization | Free | — |
| Size | 46 MB | 17 MB |
| Requires iOS | **16.4** | 18.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Andrew Carr](https://appshunter.io/developer/1822090504) | [Ali Caglar](https://appshunter.io/developer/1713062581) |

## What reviewers say

### 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


### Vadem

[App page](https://appshunter.io/ios/app/vadem-bill-and-debt-tracker/id6812872889)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $0.99 | per month |
| Premium Yearly | $6.99 | per year |


## Frequently asked questions

### Is PayDown free?

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

### Is Vadem free?

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

### Do PayDown or Vadem have ads?

Neither PayDown nor Vadem shows ads.

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

PayDown ships an update every 11 days, and Vadem every 5 days. Most recently, PayDown was updated on November 6, 2026 and Vadem on October 31, 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.*