# Debt Payoff Planner & Tracker vs Debt Payoff Tracker

The clearest difference is ads: Debt Payoff Tracker at none against Debt Payoff Planner & Tracker's shown. Debt Payoff Planner & Tracker's advantage is chart position (#81 vs unranked) and device support (3 vs 1). On price, update cadence and in-app purchases 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 Tracker sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner & Tracker ships an update every 2 months, Debt Payoff Tracker every 3 months. The most recent releases landed on October 15, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | — |
| Number of ratings | **7.3K** | — |
| Positive reviews | 63.2% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free with in-app purchases | — |
| Best chart rank | **#81** | — |
| Size | 8 MB | 4 MB |
| Requires iOS | **15.0** | 18 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## 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 Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | 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 Debt Payoff Tracker free?

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

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Debt Payoff Tracker every 3 months. Most recently, Debt Payoff Planner & Tracker was updated on October 15, 2026 and Debt Payoff Tracker on October 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.*