# Debt Payoff Planner & Tracker vs YNAB

The clearest difference is monetization model: Debt Payoff Planner & Tracker at free with in-app purchases against YNAB's subscription. Debt Payoff Planner & Tracker also leads on review sentiment (63% vs 51%) and iOS requirement (15.0 vs 18.0). YNAB's advantage is ads (none vs shown) and update cadence (weekly vs every 2 months). On price, rating, in-app purchases and device support there is nothing between them.

Both are free to download. Debt Payoff Planner & Tracker sells 5 in-app purchases, starting at $6.99 per month and YNAB sells 4 in-app purchases, starting at $14.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.7 for Debt Payoff Planner & Tracker against 4.8 for YNAB. That said, the two scores are not equally well evidenced: YNAB has 62K ratings behind it against 7.3K, so its average is the more settled of the two. Written reviews are what separate them: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 51% of YNAB's.

Debt Payoff Planner & Tracker ships an update every 2 months, YNAB weekly. The most recent releases landed on October 18, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | YNAB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) | **[4.8 (62K ratings)](https://appshunter.io/ios/app/ynab/id1010865877/reviews)** |
| Number of ratings | 7.3K | **62K** |
| Positive reviews | **63.2% of reviews** | 50.9% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | **Free with in-app purchases** | Subscription |
| Best chart rank | #78 | **#6** |
| Size | 8 MB | 156 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) |

## What reviewers say

### Debt Payoff Planner & Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715)

**Currently charting:** #78 Top Grossing · Finance (US App Store)

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

**Highlights:** Customized debt repayment schedule, Debt Snowball payoff strategy, Debt Avalanche payoff strategy, Debt Snowflake payoff strategy, Track loan payments, Budget additional payments, View payoff scenarios

**Features:** Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Subscription | $6.99 | per month |
| Friends and Family 1 Month | $10.49 | per month |
| 3 Month Subscription | $13.99 | per 3 months |
| 12 Month Subscription | $27.99 | per year |
| Friends and Family 12 Months | $41.99 | per year |

**What reviewers like**

- 💯 Excellent debt tracking and planning
- 🔍 Detailed debt breakdown and payoff timeline
- 🎯 Helps stay motivated and on track
- 👍 Simple and easy to use interface
- 🤑 Affordable premium subscription

**What reviewers complain about**

- 🐛 Occasional app crashes and stability issues
- 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
- 💰 Frustration with premium-only features
- 🔢 Difficulty making changes to existing debt entries
- 💸 Concerns about recurring subscription costs

**Reported bugs**

- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates

**Requested features**

- Add ability to track recurring income and expenses
- Implement biweekly or weekly payment options
- Improve flexibility for editing debt details
- Provide option to export data and reports
- Add support for multiple currencies


### YNAB

[App page](https://appshunter.io/ios/app/ynab/id1010865877)

**Currently charting:** #6 Top Grossing · Finance (US App Store)

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

**Highlights:** Create and share unlimited spending plans, Automatically import transactions, Manually add transactions, Loan Planner for debt paydown, Visualize progress towards goals, Real-time updates for shared plans

**Features:** Apple Watch app

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| YNAB Subscription | $14.99 | per month |
| YNAB Subscription | $14.99 | per month |
| YNAB Subscription | $109.00 | per year |
| YNAB Subscription | $109.00 | per year |

**What reviewers like**

- 💰 Helps save money
- 👍 Intuitive and easy to use
- 🚀 Efficient budgeting system
- 🤝 Helpful for couples/families
- 🧠 Changes financial mindset

**What reviewers complain about**

- 🔍 Steep learning curve
- 🔌 Connectivity issues with some banks
- 💰 Expensive subscription
- 🕰️ Reconciliation process could be improved
- 📱 Mobile app lacks some features of web version

**Reported bugs**

- Frequent disconnections from bank accounts
- Syncing issues between mobile and web versions

**Requested features**

- Fortnightly budgeting options
- Improved reporting and analytics
- Ability to upload files/documents
- Undo/redo functionality
- Biometric login for mobile app


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

Debt Payoff Planner & Tracker is free to download, with in-app purchases available.

### Is YNAB free?

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

### Which has better reviews, Debt Payoff Planner & Tracker or YNAB?

YNAB is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.3K ratings, while YNAB averages 4.8 from 62K ratings.

### Do Debt Payoff Planner & Tracker or YNAB have ads?

Debt Payoff Planner & Tracker shows ads; YNAB does not.

### Which is updated more often, Debt Payoff Planner & Tracker or YNAB?

Debt Payoff Planner & Tracker ships an update every 2 months, and YNAB weekly. Most recently, Debt Payoff Planner & Tracker was updated on October 18, 2026 and YNAB on October 19, 2026.

### Which is more popular, Debt Payoff Planner & Tracker or YNAB?

Debt Payoff Planner & Tracker currently peaks at #78 in the App Store charts, and YNAB at #6. Chart position reflects recent download velocity rather than total install base.

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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.*