# Debt Payoff Planner & Tracker vs Blocks

The clearest difference is in-app purchases: Blocks at none against Debt Payoff Planner & Tracker's 5. Blocks also leads on ads (none vs shown) and update cadence (weekly vs every 2 months). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 1) and chart position (#77 vs unranked). On price 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. Blocks asks for nothing beyond the download.

Blocks 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, Blocks weekly. The most recent releases landed on October 29, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Blocks |
| --- | --- | --- |
| 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/blocks-simple-budget/id6791761157/reviews)** |
| Number of ratings | **7.4K** | 1 |
| Positive reviews | 63.2% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#77** | — |
| Size | 8 MB | 3 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Hirthik Bhojwani](https://appshunter.io/developer/6791761159) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #77 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


### Blocks

[App page](https://appshunter.io/ios/app/blocks-simple-budget/id6791761157)

This app helps you manage your personal finances without subscriptions or ads. It automates bill payments, tracks income, and provides a clear overview of your spending and savings. Your data is kept private and stored locally or synced via iCloud.

**Highlights:** Automated bill payments, Income tracking, Private data storage, Customizable paychecks, Variable bill reminders, Automatic savings sweeps, Quick purchase logging

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

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

### Is Blocks free?

Blocks is free to download, with no in-app purchases.

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

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

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

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

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

Debt Payoff Planner & Tracker ships an update every 2 months, and Blocks weekly. Most recently, Debt Payoff Planner & Tracker was updated on October 29, 2026 and Blocks on October 25, 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.*