# Debt Payoff Planner & Tracker vs Budget app

The clearest difference is ads: Budget app at none against Debt Payoff Planner & Tracker's shown. Budget app also leads on update cadence (every 4 days vs every 2 months) and review sentiment (79% vs 63%). On price, rating, ratings volume 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 Budget app sells 8 in-app purchases, starting at $5.99 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 4.7 for Budget app. Both are backed by a comparable volume of ratings — 7.4K and 16K respectively. Written reviews are what separate them: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 79% of Budget app's.

Debt Payoff Planner & Tracker ships an update every 2 months, Budget app every 4 days. The most recent releases landed on November 6, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Budget app |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | [4.7 (16K ratings)](https://appshunter.io/ios/app/budget-app-spending-tracker/id1525179720/reviews) |
| Number of ratings | 7.4K | **16K** |
| Positive reviews | 63.2% of reviews | **78.8% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | #76 | **#63** |
| Size | 8 MB | 247 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [InnerGrow](https://appshunter.io/developer/1828382777) |

## 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


### Budget app

[App page](https://appshunter.io/ios/app/budget-app-spending-tracker/id1525179720)

**Currently charting:** #63 Top Grossing · Finance (US App Store)

This personal finance app helps you track spending, plan budgets, and save money to achieve financial freedom. It offers features like AI-powered tracking, shared budgeting, and detailed stats to understand your financial habits.

**Highlights:** Budget Planner, Spending Tracker, Money Management, Recurring Transactions, Shared Budgeting, AI Tracking, Stats & Charts

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Budget Premium Monthly | $5.99 | per month |
| Yearly Premium | $6.99 | per year |
| Financial Empowerment | $9.99 | per year |
| Lifetime Premium Sale | $4.99 | one-time |
| Budget Lifetime Member | $8.99 | one-time |
| lifetime member sale | $14.99 | one-time |
| Lifetime Premium Global | $19.99 | one-time |
| Family Premium | $29.99 | one-time |

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Straightforward and intuitive
- 💰 Affordable one-time purchase
- 🎨 Customizable categories and colors
- 🗓️ Helpful calendar and transaction views

**What reviewers complain about**

- 🐛 Recurring bills/payments not working as expected
- 🔍 Lack of advanced reporting and analytics
- 🤝 Sharing/collaboration features not reliable
- 🇨🇦 Limited support for Canadian banks/accounts
- 🔀 Difficulty moving money between budgets

**Reported bugs**

- Syncing issues between devices
- Transactions not always loading correctly
- Upgrade/premium features not working as expected

**Requested features**

- Ability to carry over surplus/deficit between months
- Option to view remaining budget instead of just spent
- Multiple savings account/ledger support
- Automatic recurring bill/subscription tracking
- Web/desktop app version for easier data entry


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

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

### Is Budget app free?

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

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

Debt Payoff Planner & Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while Budget app averages 4.7 from 16K ratings.

### Do Debt Payoff Planner & Tracker or Budget app have ads?

Debt Payoff Planner & Tracker shows ads; Budget app does not.

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Budget app every 4 days. Most recently, Debt Payoff Planner & Tracker was updated on November 6, 2026 and Budget app on November 9, 2026.

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

Debt Payoff Planner & Tracker currently peaks at #76 in the App Store charts, and Budget app at #63. 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.*