# Debt Payoff Planner & Tracker vs Debt Payoff Planner

The clearest difference is review sentiment: Debt Payoff Planner at 100% against Debt Payoff Planner & Tracker's 63%. Debt Payoff Planner also leads on ads (none vs shown) and update cadence (every 5 days vs every 2 months). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 4) and chart position (#76 vs unranked). On price, in-app purchases, monetization model and device support 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 Payoff Planner sells 14 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner 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 4, 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 Debt Payoff Planner's.

Debt Payoff Planner & Tracker ships an update every 2 months, Debt Payoff Planner every 5 days. Both last shipped on October 24, 2026.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Debt Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6743946913/reviews)** |
| Number of ratings | **7.4K** | 4 |
| Positive reviews | 63.2% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 5 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#76** | — |
| Size | 8 MB | 76 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Toffee Finance](https://appshunter.io/developer/1805257670) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #76 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 Payoff Planner

[App page](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6743946913)

This app helps you visualize and accelerate your debt payoff journey. It offers personalized strategies like debt snowball or avalanche, connects to your bank accounts for automatic updates, and provides motivation through progress tracking and AI coaching. Get a clear view of your debt-free date and stay on track with payment reminders.

**Highlights:** Debt Snowball and Avalanche payoff methods, Automatic bank account syncing via Plaid, AI-powered debt coaching and scenario planning, Progress visualization with charts and milestones, Payment reminders and payday routine setup, Calculates estimated debt-free date

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

**In-app purchases (14)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly | $0.99 | per 7 days |
| Toffee - Premium | $0.99 | per 7 days |
| Toffee Pro Weekly | $1.99 | per 7 days |
| Premium Weekly | $1.99 | per 7 days |
| Toffee Pro - Monthly | $4.99 | per month |
| Toffee | $4.99 | per month |
| Toffee Pro Weekly - Upgrade | $5.99 | per 7 days |
| Toffee Pro - Monthly Upgrade | $7.99 | per month |
| Toffee Pro - Annual | $29.99 | per year |
| Toffee - Annual | $49.99 | per year |
| toffee | $49.99 | per year |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Premium - Annual | $69.99 | per year |
| Toffee Pro - Lifetime Access | $29.99 | 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 Payoff Planner free?

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

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

Debt Payoff Planner is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while Debt Payoff Planner averages 5.0 from 4 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Debt Payoff Planner every 5 days. Most recently, Debt Payoff Planner & Tracker was updated on October 24, 2026 and Debt Payoff Planner on October 24, 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.*