# Debt Payoff Planner & Tracker vs Debt Magic

Debt Payoff Planner & Tracker and Debt Magic both sit at 4.7 stars, but that hides the real split: 100% of Debt Magic's written reviews are positive against 63% of Debt Payoff Planner & Tracker's. Debt Magic also leads on in-app purchases (none vs 5) and ads (none vs shown). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 20) and chart position (#81 vs unranked). On price, rating 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. Debt Magic asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.7 for Debt Payoff Planner & Tracker against 4.8 for Debt Magic. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.4K ratings behind it against 20, 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 100% of Debt Magic's.

Debt Payoff Planner & Tracker ships an update every 2 months, Debt Magic weekly. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Debt Magic |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) | **[4.8 (20 ratings)](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews)** |
| Number of ratings | **7.4K** | 20 |
| Positive reviews | 63.2% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#81** | — |
| Size | 8 MB | 33 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Changed Inc.](https://appshunter.io/developer/1164559382) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #81 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 Magic

[App page](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437)

This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.

**Highlights:** Debt payoff calculator, Compare Snowball vs. Avalanche methods, Visualize extra payment impact, Track principal vs. interest, Consolidate all debt types

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

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

### Is Debt Magic free?

Debt Magic is free to download, with no in-app purchases.

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

Debt Magic is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while Debt Magic averages 4.8 from 20 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Debt Magic weekly. Most recently, Debt Payoff Planner & Tracker was updated on November 6, 2026 and Debt Magic on November 5, 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.*