# Debt Payoff Planner & Tracker vs PINGOT

The clearest difference is review sentiment: PINGOT at 100% against Debt Payoff Planner & Tracker's 63%. PINGOT also leads on ads (none vs shown) and update cadence (every 8 days 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, 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 PINGOT sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

PINGOT 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. Written reviews point the same way: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 100% of PINGOT's.

Debt Payoff Planner & Tracker ships an update every 2 months, PINGOT every 8 days. The most recent releases landed on October 26, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | PINGOT |
| --- | --- | --- |
| 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/pingot/id6783139703/reviews)** |
| Number of ratings | **7.4K** | 1 |
| Positive reviews | 63.2% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 8 days** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#81** | — |
| Size | 8 MB | 38 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) | [Smostly LLC](https://appshunter.io/developer/6783139705) |

## 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


### PINGOT

[App page](https://appshunter.io/ios/app/pingot/id6783139703)

Track the value of your physical precious metals collection. Log individual items, monitor market prices, and use AI to identify unknown coins. Manage your entire vault digitally, from acquisition to sale.

**Highlights:** Track physical metal value, Log coin and bar details, AI coin identification, Monitor market price trends, Import/export data, Track vault entries/exits

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PINGOT Premium | $3.99 | per month |
| PINGOT Premium | $34.99 | 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 PINGOT free?

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

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

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

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and PINGOT every 8 days. Most recently, Debt Payoff Planner & Tracker was updated on October 26, 2026 and PINGOT on October 13, 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.*