# Debt Payoff Planner & Tracker vs Envelope Tracker

The clearest difference is in-app purchases: Envelope Tracker at none against Debt Payoff Planner & Tracker's 5. Envelope Tracker also leads on ads (none vs shown) and rating (5.0 vs 4.7). Debt Payoff Planner & Tracker's advantage is ratings volume (7.4K vs 1) and chart position (#82 vs unranked). On price 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. Envelope Tracker asks for nothing beyond the download.

Envelope Tracker 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.

## The numbers

| Metric | Debt Payoff Planner & Tracker | Envelope Tracker |
| --- | --- | --- |
| 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/envelope-tracker/id6796866976/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 | — |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#82** | — |
| Size | 8 MB | 4 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Rob Lynch](https://appshunter.io/developer/6796866978) |

## What reviewers say

### Debt Payoff Planner & Tracker

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

**Currently charting:** #82 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


### Envelope Tracker

[App page](https://appshunter.io/ios/app/envelope-tracker/id6796866976)

Manage your weekly budget with a simple, private system. Set spending limits, categorize purchases, and track your remaining funds. Visualize your spending pace and review past weeks.

**Highlights:** Weekly spending envelopes, Customizable spending categories, Log purchases with details, Vendor memory for quick entries, Split purchases across categories, Review past spending history, CSV export of transactions, iCloud sync for Apple devices

**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 Envelope Tracker free?

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

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

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

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

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

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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.*