# Debt Payoff Planner & Tracker vs Purchase Tracker

The clearest difference is in-app purchases: Purchase Tracker at none against Debt Payoff Planner & Tracker's 5. Purchase Tracker also leads on review sentiment (83% vs 63%). Debt Payoff Planner & Tracker's advantage is update cadence (every 2 months vs every 35 months) and ratings volume (7.3K vs 15). On price, rating, device support and iOS requirement 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. Purchase Tracker asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.7 for Debt Payoff Planner & Tracker against 4.8 for Purchase Tracker. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.3K ratings behind it against 15, 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 83% of Purchase Tracker's.

Debt Payoff Planner & Tracker ships an update every 2 months, Purchase Tracker every 35 months. The most recent releases landed on September 25, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Purchase Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) | **[4.8 (15 ratings)](https://appshunter.io/ios/app/purchase-tracker/id1457110640/reviews)** |
| Number of ratings | **7.3K** | 15 |
| Positive reviews | 62.9% of reviews | **83.3% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | Yes | — |
| Update frequency | **Every 2 months** | Every 35 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#76** | — |
| Size | 8 MB | 25 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Khanh Steffen](https://appshunter.io/developer/1223668802) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #76 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


### Purchase Tracker

[App page](https://appshunter.io/ios/app/purchase-tracker/id1457110640)

A privacy-focused expense tracker that works entirely offline. Log daily spending, set budgets, and gain insights into your financial habits with simple charts and graphs. Ideal for users seeking a straightforward and secure way to manage their money without ads or subscriptions.

**Highlights:** Log daily expenses, 100% offline functionality, Set monthly spending limits, Customizable categories, Spending insights with charts, Data export/import

**In-app purchases:** none


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

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

### Is Purchase Tracker free?

Purchase Tracker is free to download, with no in-app purchases.

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

Purchase Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.3K ratings, while Purchase Tracker averages 4.8 from 15 ratings.

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Purchase Tracker every 35 months. Most recently, Debt Payoff Planner & Tracker was updated on September 25, 2026 and Purchase Tracker on September 14, 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.*