# Debt Payoff Planner & Tracker vs FA Pay

The clearest difference is ads: FA Pay at none against Debt Payoff Planner & Tracker's shown. FA Pay also leads on iOS requirement (12.1 vs 15.0). Debt Payoff Planner & Tracker's advantage is rating (4.7 vs 4.3) and ratings volume (7.3K vs 34). On price, in-app purchases, monetization model 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 FA Pay 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 4.3. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.3K ratings behind it against 34, so its average is the more settled of the two. Written reviews point the same way: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 50% of FA Pay's.

## The numbers

| Metric | Debt Payoff Planner & Tracker | FA Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | [4.3 (34 ratings)](https://appshunter.io/ios/app/fa-pay/id1456776247/reviews) |
| Number of ratings | **7.3K** | 34 |
| Positive reviews | **63.2% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | — |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#78** | — |
| Size | 8 MB | 12 MB |
| Requires iOS | 15.0 | **12.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Shane Sutro](https://appshunter.io/developer/1456039304) |

## 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


### FA Pay

[App page](https://appshunter.io/ios/app/fa-pay/id1456776247)

Easily calculate confusing holiday pay and determine if extra shifts are financially beneficial. This app simplifies complex pay calculations, helping you maximize earnings, especially around your birthday.

**Highlights:** Holiday pay calculation, Shift profitability analysis, Birthday pay maximization reminder, User-friendly interface, Quick and easy calculations

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Bone to Throw | $0.99 | one-time |
| Coffee for Shane | $2.99 | one-time |
| Burrito for Shane | $7.99 | 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 FA Pay free?

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

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

Debt Payoff Planner & Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.3K ratings, while FA Pay averages 4.3 from 34 ratings.

### Do Debt Payoff Planner & Tracker or FA Pay have ads?

Debt Payoff Planner & Tracker shows ads; FA Pay does not.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*