# Payoff Dots vs Savebar

The clearest difference is update cadence: Savebar at every 2 days against Payoff Dots's every 2 weeks. On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. Payoff Dots sells 1 one-off in-app purchase and Savebar sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Payoff Dots ships an update every 2 weeks, Savebar every 2 days. Both last shipped on October 29, 2026.

## The numbers

| Metric | Payoff Dots | Savebar |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 2 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 4 MB | 8 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | iPhone, iPad | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Waypoint Labs LLC UT](https://appshunter.io/developer/6799600752) | [Minari Taniguchi](https://appshunter.io/developer/6796972156) |

## What reviewers say

### Payoff Dots

[App page](https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750)

Visualize and track your debt repayment progress with a unique dot-filling system. Monitor multiple debts, record payments, and see your balances decrease over time. Archive debts and use discreet widgets for a clear overview.

**Highlights:** Visual payoff dots for each debt, Progress tracking for individual and overall debts, Quick balance updates, Archive completed or paused debts, Discreet widgets without dollar amounts, Private iCloud sync, Light and dark appearance modes

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Dots Pro | $9.99 | one-time |


### Savebar

[App page](https://appshunter.io/ios/app/savebar-savings-tracker/id6815409629)

Visually track your savings progress directly on your Home and Lock Screens. Easily add funds with customizable buttons and see your goals come to life. This app offers a private and ad-free experience for managing your financial aspirations.

**Highlights:** Home Screen widgets for progress tracking, Lock Screen widgets for quick updates, Tap-to-add amount buttons, Add photos and product links for goals, Edit or delete deposit history, Goal-specific currency options (Pro)

**Features:** macOS Compatibility, Safari Extension, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Savebar Pro | $4.99 | one-time |


## Frequently asked questions

### Is Payoff Dots free?

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

### Is Savebar free?

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

### Do Payoff Dots or Savebar have ads?

Neither Payoff Dots nor Savebar shows ads.

### Which is updated more often, Payoff Dots or Savebar?

Payoff Dots ships an update every 2 weeks, and Savebar every 2 days. Most recently, Payoff Dots was updated on October 29, 2026 and Savebar on October 29, 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.*