# Debt Payoff Planner & Tracker vs Debt Tracker Master

The clearest difference is review sentiment: Debt Payoff Planner & Tracker at 63% against Debt Tracker Master's 0%. Debt Payoff Planner & Tracker also leads on rating (4.7 vs 3.7) and ratings volume (7.3K vs 3). Debt Tracker Master's advantage is update cadence (every 3 days vs every 2 months). On price, ads, in-app purchases and monetization model 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 Debt Tracker Master sells 4 in-app purchases, starting at $3.99 per month. 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 3.7. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.3K ratings behind it against 3, 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 0% of Debt Tracker Master's.

Debt Payoff Planner & Tracker ships an update every 2 months, Debt Tracker Master every 3 days. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Debt Tracker Master |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/debt-tracker-master/id6473278027/reviews) |
| Number of ratings | **7.3K** | 3 |
| Positive reviews | **62.9% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Every 3 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#77** | — |
| Size | 8 MB | 50 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [娜 杨](https://appshunter.io/developer/1700983284) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #77 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


### Debt Tracker Master

[App page](https://appshunter.io/ios/app/debt-tracker-master/id6473278027)

This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.

**Highlights:** Debt recording and organization, Repayment progress tracking, Payment planning outlook, Customizable payment reminders, Personal finance learning resources, Debt reduction reports

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtTracker Pro Monthly | $3.99 | per month |
| DebtTracker Pro Yearly | $17.99 | per year |
| Remove Ads | $3.99 | one-time |
| DebtTracker Pro Lifetime | $39.99 | 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 Debt Tracker Master free?

Debt Tracker Master is free to download, with in-app purchases available.

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

Debt Payoff Planner & Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.3K ratings, while Debt Tracker Master averages 3.7 from 3 ratings.

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

Both Debt Payoff Planner & Tracker and Debt Tracker Master show ads.

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Debt Tracker Master every 3 days. Most recently, Debt Payoff Planner & Tracker was updated on September 22, 2026 and Debt Tracker Master on September 23, 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.*