# Debt Payoff Planner & Tracker vs BetterBudgets

The clearest difference is review sentiment: BetterBudgets at 100% against Debt Payoff Planner & Tracker's 63%. BetterBudgets also leads on ads (none vs shown) and rating (5.0 vs 4.7). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 5) and chart position (#83 vs unranked). On price, update cadence, 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 BetterBudgets sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

BetterBudgets holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.4K ratings behind it against 5, 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 100% of BetterBudgets's.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | BetterBudgets |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/betterbudgets-budget-planner/id6504831143/reviews)** |
| Number of ratings | **7.4K** | 5 |
| Positive reviews | 63.2% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#83** | — |
| Size | 8 MB | 72 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Tinstac LLC](https://appshunter.io/developer/1717669821) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #83 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


### BetterBudgets

[App page](https://appshunter.io/ios/app/betterbudgets-budget-planner/id6504831143)

This personal finance app helps you plan for the future by creating up to 5 personalized debt payoff plans. It projects your financial future up to 10 years out based on your income, bills, and debts, without needing bank account access. Stop reacting to your finances and start planning toward your goals.

**Highlights:** Personalized debt payoff plans, Future financial projection, Paycheck-by-paycheck breakdowns, Debt payoff timelines, Financial calculators, Budget archive, Community tips and guides

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Thrive Monthly | $9.99 | per month |
| Thrive Annual | $99.99 | per year |


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

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

### Is BetterBudgets free?

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

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

BetterBudgets is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while BetterBudgets averages 5.0 from 5 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and BetterBudgets every 2 months. Most recently, Debt Payoff Planner & Tracker was updated on November 6, 2026 and BetterBudgets on November 4, 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.*