# Debt Payoff Planner & Tracker vs Debt Guide

The clearest difference is ads: Debt Guide at none against Debt Payoff Planner & Tracker's shown. Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 50) and chart position (#79 vs unranked). On price, rating, review sentiment and update cadence 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 Guide sells 4 in-app purchases, starting at $9.99 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 4.8 for Debt Guide. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.4K ratings behind it against 50, so its average is the more settled of the two. Written reviews are what separate them: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 62% of Debt Guide's.

Debt Payoff Planner & Tracker ships an update every 2 months, Debt Guide every 3 months. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Debt Guide |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) | **[4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** |
| Number of ratings | **7.4K** | 50 |
| Positive reviews | **63.2% of reviews** | 61.5% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#79** | — |
| Size | 8 MB | 98 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## 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


### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

**Highlights:** Personalized debt repayment plans, Snowball and Avalanche payoff methods, Track multiple loans and credit cards, Payment reminders and alerts, Interactive progress charts and graphs, Ad-free experience

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | 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 Guide free?

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

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

Debt Guide is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while Debt Guide averages 4.8 from 50 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Debt Guide every 3 months. Most recently, Debt Payoff Planner & Tracker was updated on November 6, 2026 and Debt Guide on November 4, 2026.

---

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