Debt Payoff Planner & Tracker vs AllocateRite Advisor
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Payoff Planner & Tracker
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.
- 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
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The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans. Today is the day to make a plan with a loan calculator and beginning paying down debt. Required inputs for calculating your debt free date are the current balance of the loan, the annual percentage rate (APR), and the minimum payment amount. That's the only requirement to getting a customized debt repayment schedule. Easy steps to becoming debt free: - Enter your loans and debts - Enter your additional monthly payment budget to pay down faster - Choose a debt payoff strategy * Dave Ramsey's Debt Snowball (lowest balance first) * Debt Avalanche (highest rate first) * Debt Snowflake (one-time extra payment toward loans) * Custom debt free payoff plan Debt Payoff Planner and Loan Calculator determines the optimum payment plan and how long it will take until you will be debt free. You tell the app how much you want to budget toward paying off your debt and we'll tell you how. We recommend the Debt Snowball strategy because we believe that paying off individual accounts faster will help you stay focused on your financial goal of debt elimination. A payoff plan is only useful if you stick with it! Your ability and willingness to pay more than the minimum payments is how you will become debt free in less time than you imagined. Budgeting your income will help you to get a regular monthly amount to pay down the debt faster. The payoff chart will show two payoff scenarios: only paying the minimum amounts, and the repayment schedule when you pay more the the minimum ever month. Creating an account enables you to have a secure backup and your information is immediately available if you start using a new device. Getting out of debt is hard, so we try to allow you to take baby steps toward this goal. We believe that becoming debt free requires an easy starting point and making sure every dollar is leveraged perfectly. The loan calculator has minimal inputs in order to make your money management easy to follow. The Debt Payoff Planner and Calculator is also used for tracking payments and updating the time-frame for becoming debt-free. Inputting payment information is as simple as typing in the amount and the date the payment was made. The goal of payment tracking is to see your progress over time and affirm that you are staying focused on your financial goals. In addition to being a debt tracker and loan calculator, we are also trying to help point out some possible next steps with articles focused on how to pay off student loans, auto loans, and credit cards faster. Also, there is some tips on credit card balance transfers as well as strategies for debt consolidation. We support eight loan categories: * Credit Cards like Capital One, Citicard, Chase, etc. * Student Loans like Navient, Sallie Mae, Great Lakes, etc. * Auto/Car Loans * Medical Loans * Mortgages like Rocket Mortgage, SoFi, etc. * Personal Loans to friends and family or other individuals * Taxes like IRS or local municipalities * Other category could be anything from a paycheck loan to a hard money loan In addition to the Debt Snowball calculator and the Debt Avalanche method, many users like to do a custom sorting of their debts. This customization is available for users that want to be their own debt manager. We allow the ability to provide a Debt Snowflake payoff as well. A Debt Snowflake is a one-time payment from things like a bonus at work, a tax refund, an extra payday, etc. This additional capability allows you to have tighter control over every dollar you are budgeting. Terms of Service: https://www.debtpayoffplanner.com/terms-of-service/ Privacy Policy: https://www.debtpayoffplanner.com/privacy-policy/ End-User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
AllocateRite Advisor
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AllocateRite Advisor Client puts your full financial picture in your pocket. The mobile companion to your AllocateRite Advisor Client account, it connects your investments, your everyday money, and your plan — so you always know where you stand and what comes next, wherever you are. TRACK YOUR PORTFOLIO • See your holdings, asset allocation, and net worth at a glance • Compare your portfolio against the benchmarks you care about • Review your risk profile and future projections UNDERSTAND YOUR MONEY • Securely link your bank, credit, and investment accounts • Follow your cash flow, spending, and subscriptions in one place • Keep track of your assets, liabilities, and progress toward your goals PROPOSALS & DOCUMENTS • Review and sign proposals right from your phone — no printing, no paperwork • Find and store your important documents in one secure place INVEST THE WAY YOU WANT • Set your risk tolerance and preferences through a simple guided setup • Add values-based restrictions and priorities so your portfolio reflects what matters to you Use it alongside AllocateRite Advisor Client on the web — everything stays in sync, so you can pick up right where you left off on any device. AllocateRite Advisor Client is a free companion app designed exclusively for existing clients for AllocateRite Advisor. To get started, simply sign in using the credentials provided by your advisory team. Note: Account access must be provisioned by your professional advisor.
Screenshots
Verdict
The clearest difference is in-app purchases: AllocateRite Advisor at none against Debt Payoff Planner & Tracker's 5. AllocateRite Advisor also leads on ads (none vs shown). Debt Payoff Planner & Tracker's advantage is chart position (#78 vs unranked) and device support (3 vs 1). On price, update cadence and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Debt Payoff Planner & Tracker sells 5 in-app purchases, starting at $6.99 per month. AllocateRite Advisor asks for nothing beyond the download.
Debt Payoff Planner & Tracker ships an update every 2 months, AllocateRite Advisor every 6 weeks. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.
| Parameter | Debt Payoff Planner & Tracker | AllocateRite Advisor |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (7.4K ratings) — better | — |
| Positive reviews | 63.2% of reviews | — |
| Number of ratings | 7.4K — better | — |
| Update frequency | Every 2 months | Every 6 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Best chart rank | #78 — better | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 8 MB | 68 MB |
| Age rating | 4+ | 4+ |
| Developer | OxbowSoft LLC | AllocateRite Digital, LLC |
Bugs and requests
Debt Payoff Planner & Tracker
Reported bugs
3 issues- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates
Requested features
5 requests- 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
AllocateRite Advisor
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Debt Payoff Planner & Tracker
- 1 Month Subscription$6.991 Month
- Friends and Family 1 Month$10.491 Month
- 3 Month Subscription$13.993 Months
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- 12 Month Subscription$27.991 Year
- Friends and Family 12 Months$41.991 Year
AllocateRite Advisor
No in-app purchases
Questions
Is Debt Payoff Planner & Tracker free?
Is AllocateRite Advisor free?
Do Debt Payoff Planner & Tracker or AllocateRite Advisor have ads?
Which is updated more often, Debt Payoff Planner & Tracker or AllocateRite Advisor?
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