# Debt Payoff Planner & Tracker vs CashCountdown

The clearest difference is ads: CashCountdown at none against Debt Payoff Planner & Tracker's shown. CashCountdown also leads on update cadence (every 4 days vs every 2 months). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 2) and rating (4.7 vs 4.5). On price, in-app purchases, monetization model 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 and CashCountdown sells 2 in-app purchases, starting at $8.99 per year. 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 2, so its average is the more settled of the two.

Debt Payoff Planner & Tracker ships an update every 2 months, CashCountdown every 4 days. The most recent releases landed on October 21, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | CashCountdown |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | [4.5 (2 ratings)](https://appshunter.io/ios/app/cashcountdown-expense-tracker/id6472667342/reviews) |
| Number of ratings | **7.4K** | 2 |
| Positive reviews | 63.2% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#71** | — |
| Size | 8 MB | 25 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [ARTURS ZIKOVS](https://appshunter.io/developer/1717439827) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #71 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


### CashCountdown

[App page](https://appshunter.io/ios/app/cashcountdown-expense-tracker/id6472667342)

Effortlessly manage your money with intuitive expense tracking and visual statistics. Set and maintain weekly budgets with customizable tools designed for financial clarity and empowerment. Make smarter financial choices and save time and money with this straightforward personal finance solution.

**Highlights:** Weekly expense tracking, Visual statistics with graphs, Set and maintain budget goals, Intuitive and user-friendly interface, Customizable financial tools, Secure data handling

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cash Countdown Premium | $8.99 | per year |
| Premium Version | $1.99 | 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 CashCountdown free?

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

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

Debt Payoff Planner & Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while CashCountdown averages 4.5 from 2 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and CashCountdown every 4 days. Most recently, Debt Payoff Planner & Tracker was updated on October 21, 2026 and CashCountdown on October 19, 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.*