# Zero Debt vs Zeroed

The clearest difference is update cadence: Zero Debt at every 3 days against Zeroed's weekly. Zeroed's advantage is device support (3 vs 1) and iOS requirement (15.5 vs 17.0). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Zero Debt sells 4 in-app purchases, starting at $3.49 per month and Zeroed sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Zero Debt ships an update every 3 days, Zeroed weekly. Both last shipped on October 24, 2026.

## The numbers

| Metric | Zero Debt | Zeroed |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/zeroed-offline-budget-planner/id6804301133/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 days** | Weekly |
| Monetization | — | Free with in-app purchases |
| Size | 16 MB | 106 MB |
| Requires iOS | 17.0 | **15.5** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Sardor Akbarov](https://appshunter.io/developer/6780028842) | [Stillware Ltd](https://appshunter.io/developer/6804301135) |

## What reviewers say

### Zero Debt

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

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $3.49 | per month |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro | $39.99 | per year |
| Zero Pro Lifetime | $79.99 | one-time |


### Zeroed

[App page](https://appshunter.io/ios/app/zeroed-offline-budget-planner/id6804301133)

Manage your money effectively with this privacy-focused budgeting app. It utilizes the zero-based budgeting method to assign every dollar a purpose, keeping your financial data securely on your device. Enjoy features like receipt scanning, smart import, and detailed reports without any ads or subscriptions.

**Highlights:** Envelope budgeting, Privacy-focused, data stays on device, Receipt scanner, Smart bank statement import (CSV, PDF), Reports and charts, Scheduled transactions, Home-screen widgets

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zeroed - Offline Budget Planner | $19.99 | one-time |


## Frequently asked questions

### Is Zero Debt free?

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

### Is Zeroed free?

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

### Do Zero Debt or Zeroed have ads?

Neither Zero Debt nor Zeroed shows ads.

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

Zero Debt ships an update every 3 days, and Zeroed weekly. Most recently, Zero Debt was updated on October 24, 2026 and Zeroed on October 24, 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.*