# Debt Payoff Planner & Tracker vs BBP

The clearest difference is review sentiment: Debt Payoff Planner & Tracker at 63% against BBP's 0%. Debt Payoff Planner & Tracker also leads on rating (4.7 vs 3.0) and ratings volume (7.4K vs 1). BBP's advantage is ads (none vs shown) and update cadence (every 3 weeks vs every 2 months). 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 BBP sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner & Tracker holds the better App Store score, 4.7 against 3.0. 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 0% of BBP's.

Debt Payoff Planner & Tracker ships an update every 2 months, BBP every 3 weeks. The most recent releases landed on November 11, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | BBP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | [3.0 (1 ratings)](https://appshunter.io/ios/app/bbp-bills-by-paycheck/id6788064222/reviews) |
| Number of ratings | **7.4K** | 1 |
| Positive reviews | **63.2% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#72** | — |
| Size | 8 MB | 13 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Jason Jaegers](https://appshunter.io/developer/6788064224) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #72 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


### BBP

[App page](https://appshunter.io/ios/app/bbp-bills-by-paycheck/id6788064222)

Manage your finances around your pay schedule, not the calendar month. Assign bills to specific paychecks, track expenses, and set savings goals. Your financial data is private and stored securely in iCloud.

**Highlights:** Paycheck-based budgeting, Bill assignment to paychecks, Expense tracking, Savings goals, Debt payoff calculator, Customizable bill categories, iCloud sync

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $1.99 | 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 BBP free?

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

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

Debt Payoff Planner & Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while BBP averages 3.0 from 1 ratings.

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and BBP every 3 weeks. Most recently, Debt Payoff Planner & Tracker was updated on November 11, 2026 and BBP on October 31, 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.*