# Debt Payoff Planner & Tracker vs Debt Control

The clearest difference is ads: Debt Control at none against Debt Payoff Planner & Tracker's shown. Debt Control also leads on iOS requirement (13.0 vs 15.0). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 33) and rating (4.7 vs 4.5). On price, review sentiment, update cadence and in-app purchases 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 Debt Control sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner & Tracker holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.4K ratings behind it against 33, so its average is the more settled of the two. Written reviews complicate that: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 64% of Debt Control's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 months. Both last shipped on November 6, 2026.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Debt Control |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | [4.5 (33 ratings)](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808/reviews) |
| Number of ratings | **7.4K** | 33 |
| Positive reviews | 63.2% of reviews | **64.2% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#75** | — |
| Size | 8 MB | 23 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [CleverPumpkin Ltd.](https://appshunter.io/developer/826318670) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #75 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


### Debt Control

[App page](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808)

Manage all your debts and loans in one place. Track who owes you money and who you owe, with support for multiple currencies and payment reminders. View your debt history and get an overview of your financial commitments.

**Highlights:** Track money owed and borrowed, Support for multiple currencies, Payment period indication, Customizable reminders, Consolidated list of contacts and debts, Debt history log

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $0.99 | one-time |
| Premium | $2.99 | one-time |
| Premium | $4.99 | one-time |


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

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

### Is Debt Control free?

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

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

Debt Payoff Planner & Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while Debt Control averages 4.5 from 33 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Debt Control every 2 months. Most recently, Debt Payoff Planner & Tracker was updated on November 6, 2026 and Debt Control 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.*