# Debt Payoff Planner & Tracker vs Payoff Planner

The clearest difference is ads: Payoff Planner at none against Debt Payoff Planner & Tracker's shown. Payoff Planner also leads on rating (5.0 vs 4.7) and update cadence (every 4 weeks vs every 2 months). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 1) and chart position (#81 vs unranked). On price, 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 Payoff Planner sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

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 1, so its average is the more settled of the two.

Debt Payoff Planner & Tracker ships an update every 2 months, Payoff Planner every 4 weeks. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | 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 (1 ratings)](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309/reviews)** |
| Number of ratings | **7.4K** | 1 |
| Positive reviews | 63.2% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#81** | — |
| Size | 8 MB | 10 MB |
| Requires iOS | **15.0** | 18.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Chad Pickard](https://appshunter.io/developer/1831075073) |

## 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


### Payoff Planner

[App page](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309)

This app helps you create a personalized debt payoff plan based on your income and expenses. It calculates how much extra you can safely allocate to debt from each paycheck and guides you on which debt to tackle first for faster debt freedom.

**Highlights:** Paycheck-based payoff plans, Multiple payoff strategies (snowball, avalanche, custom), Calculates debt-free date and interest saved, Supports various debt types (credit cards, loans, mortgages), Bill reminders and payday nudges, Customizable currency support

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Planner Pro | $4.99 | 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 Payoff Planner free?

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

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

Payoff Planner is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while Payoff Planner averages 5.0 from 1 ratings.

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

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

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

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