# Debt Payoff Planner & Tracker vs CreditU

The clearest difference is ads: CreditU at none against Debt Payoff Planner & Tracker's shown. CreditU also leads on review sentiment (96% vs 63%) and monetization model (free vs free with in-app purchases). Debt Payoff Planner & Tracker's advantage is chart position (#79 vs unranked) and ratings volume (7.3K vs 991). On price 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 CreditU sells 1 in-app purchase, starting at $12.99 per month. Whichever you choose, the download price is not the number that matters.

CreditU holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.3K ratings behind it against 991, 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 96% of CreditU's.

Debt Payoff Planner & Tracker ships an update every 2 months, CreditU fortnightly. The most recent releases landed on September 25, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | CreditU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) | **[4.9 (991 ratings)](https://appshunter.io/ios/app/creditu/id1663259146/reviews)** |
| Number of ratings | **7.3K** | 991 |
| Positive reviews | 62.9% of reviews | **96.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#79** | — |
| Size | 8 MB | 255 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [American Consumer Credit Counseling, Inc](https://appshunter.io/developer/1663259148) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #79 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


### CreditU

[App page](https://appshunter.io/ios/app/creditu/id1663259146)

This app helps users manage their credit, reduce debt, and optimize their budget with personalized plans. It offers tools for tracking progress, integrating with debt management plans, and ensuring data security.

**Highlights:** Advanced debt analysis, Personalized budget plans, Debt Management Plan integration, Progress monitoring, Credit score tracking, Secure data encryption

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Purchase | $12.99 | per month |

**What reviewers like**

- 🚀 Game changer
- 👍 Outstanding Support
- 👍 Life Savers
- 👍 Great Experience
- 👍 Helping me take my life back

**What reviewers complain about**

- 🐛 Lame
- 🐛 Horrible

**Reported bugs**

- Can't login
- Can't set up app

**Requested features**

- Dark mode option
- Advanced analytics dashboard


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

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

### Is CreditU free?

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

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

CreditU is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.3K ratings, while CreditU averages 4.9 from 991 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and CreditU fortnightly. Most recently, Debt Payoff Planner & Tracker was updated on September 25, 2026 and CreditU on September 22, 2026.

---

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