Comparison

Debt Payoff Box vs Debt Tracker Master

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Payoff Box

This app helps you organize and plan to pay off your debts efficiently. It supports various payoff strategies and allows you to track your progress, offering insights into interest and time savings. Get a clear overview of all your debts in one place to achieve financial freedom.

Highlights
  • Debt payoff planning
  • Snowball and avalanche methods
  • Extra payment strategy
  • Fast forward to update status
  • Detailed payment schedule
  • What-if analysis
Features
Read full description

Getting out of debts is the first step on the journey towards financial freedom, and Debt Payoff Box (formerly Debt Free Box) is your companion on that journey. Debt Payoff Box is the easiest to use Debt Payoff management app – no need to track every transaction or detail – just set up your payoff plan once and app will help you follow it through until you are fully Debt Free. Do you have a mortgage, car loan, student loan or any other debt that you’ve struggled with for years or months trying to clear it? You are not alone. The Debt Payoff Box will ease your mind by helping you plan to pay off your debts on time. You no longer need to be overwhelmed by debts when there’s an app that will organize all debts in one place and help you clear them fast. This app is FREE, so you can as well hit the install button now! Why You Will Love Debt Payoff Box: Snowball method and extra payment strategy: - Define in which order you want to pay off your debts - smallest first? or highest interest first? - Use released monthly funds to pay off subsequent debts faster (like a snowball) - Add extra payment every month and see how much you will save interest and time “Fast forward”: - No need to manually enter your transactions! Just tell app to fast forward for you - Fast forward allows app to update your debt to current status as if you were following initial plan - You can manually update your debts or change your payoff plan any time Simple and clean user interface with no ads – This helps you to see results clearly and quickly. New/Edit debt option – Allows you to edit: - Name - Category of the debt (auto, bank, credit card, student loan, medical, mortgage, computer, bill consolidation and others) - Remaining balance - Loan amount - Interest rate - Next due date - Minimum monthly payment Shows payment schedule details: - Balance - Pay off debt - Interest - Payment amount made - Principal - Remaining balance Fastest payoff - The app calculates the cheapest and fastest method of paying off your entire debt. It gives you total control – You can go through your debts and decide which debts you should pay off first and the extra amount to pay. The app helps you to remain focused on your plan. Supports all types of debt - The Debt Payoff Box supports different types of debts including credit card, cash loan, student loan, car loan, mortgage and more. What-if analysis – You can try out different ‘What-if’ scenarios such as a change in the interest rate or extra monthly payments. Extra payment option – Helps to calculate interest and time savings. Super compatible – It’s optimized to work on all your preferred mobile devices. Regular updates – No more bugs or annoying crashes. The app has periodic updates to ensure it works flawlessly. The updates may also come with some new, awesome, bonus features. Feel free to drop us a line! We’re always listening to your suggestions to improve Debt Payoff Box. If you have any issues with the app, just contact us and we will help you! ** Are you loving our app? We’d love to hear about it! Please take a moment to leave us a nice review. It really helps! ** While you’re in the sharing mood, go ahead and throw us a like on Facebook too, THANKS. We appreciate your support greatly! You inspire us to make more great apps like Debt Payoff Box. Start leaving debts behind by installing the Debt Payoff Box on your mobile device!

About

Debt Tracker Master

This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.

Highlights
  • Debt recording and organization
  • Repayment progress tracking
  • Payment planning outlook
  • Customizable payment reminders
  • Personal finance learning resources
  • Debt reduction reports
Features
Read full description

Debt Tracker Master is a payoff tracker for credit cards, auto loans, student loans, and mortgages you already have. It does not lend money, check your credit, or offer loans. See every balance, the next due date, and principal versus interest for the next 6 months. Record a payment when you make it, set a reminder before the due date, and watch the balance come down. What you can track - Total balance, payoff countdown, overdue items, and upcoming payments on one dashboard - Each debt: lender, interest rate, start date, due date, and repayment method - Credit cards, installment loans, mortgages, and lines of credit - A 6-month view of principal and interest - Reminders on the due date, 1 day before, or 2 days before - Home Screen widgets for the next payment - Short lessons on loan terms, including how snowball and avalanche payoff methods work Free to record and plan. Debt Tracker Pro removes ads and adds iCloud sync. Debt Tracker Master does not provide loans, credit, or financial advice. It is your own record of what you owe and how you plan to repay it. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://d.bapps.uk/privacy-policy.html

Screenshots

Debt Payoff Box4 screens
Debt Tracker Master4 screens

Verdict

The call

The clearest difference is rating: Debt Payoff Box at 4.5 against Debt Tracker Master's 3.7. Debt Payoff Box also leads on ads (none vs shown) and review sentiment (34% vs 0%). Debt Tracker Master's advantage is update cadence (every 3 days vs every 5 weeks). On price, in-app purchases, monetization model and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Payoff Box sells 1 one-off in-app purchase and Debt Tracker Master sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debt Payoff Box holds the better App Store score, 4.5 against 3.7. That said, the two scores are not equally well evidenced: Debt Payoff Box has 2.5K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 34% of Debt Payoff Box's written reviews are positive against 0% of Debt Tracker Master's.

UpkeepUpdate frequency

Debt Payoff Box ships an update every 5 weeks, Debt Tracker Master every 3 days. The most recent releases landed on November 1, 2026 and November 4, 2026 respectively.

Scorecard5 real differences · 5 level
Debt Payoff Box versus Debt Tracker Master: the parameters behind the verdict, then further details
ParameterDebt Payoff BoxDebt Tracker Master
PriceFreeFree
Rating4.5 (2.5K ratings) — better3.7 (3 ratings)
Positive reviews34.0% of reviews — better0.0% of reviews
Number of ratings2.5K — better3
Update frequencyEvery 5 weeksEvery 3 days — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.6
Further details — not scored
Size34 MB50 MB
Age rating4+4+
DeveloperNatalia Alekseenko娜 杨

Customer experience

Debt Payoff Box

All ratings2,456 ratings
Positive87.6%
Neutral3.0%
Negative9.4%
Written reviews147 reviews
Positive34.0%
Neutral18.4%
Negative47.6%

Debt Tracker Master

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Debt Payoff Box

Reported bugs

4 issues
  • Unable to edit debt details
  • Payoff dates and calculations are inaccurate
  • App crashes when trying to add or update debts
  • Free version limited to only 2 debts

Requested features

5 requests
  • Add ability to record one-off extra payments
  • Implement sorting by interest rate or balance
  • Include escrow and mortgage details
  • Provide payment history and tracking
  • Add notifications and reminders

Debt Tracker Master

Not enough reviews yet to summarise bugs or requests.

In-app purchases

1 purchases

Debt Payoff Box

One-time1
  • Get PRO version$9.99
4 purchases

Debt Tracker Master

Subscriptions2
  • DebtTracker Pro Monthly$3.991 Month
  • DebtTracker Pro Yearly3 Days trial$17.991 Year
One-time2
  • Remove Ads$3.99
  • DebtTracker Pro Lifetime$39.99

Questions

Is Debt Payoff Box free?
Debt Payoff Box is free to download, with in-app purchases available.
Is Debt Tracker Master free?
Debt Tracker Master is free to download, with in-app purchases available.
Which has better reviews, Debt Payoff Box or Debt Tracker Master?
Debt Payoff Box is rated higher. Debt Payoff Box averages 4.5 out of 5 from 2.5K ratings, while Debt Tracker Master averages 3.7 from 3 ratings.
Do Debt Payoff Box or Debt Tracker Master have ads?
Debt Tracker Master shows ads; Debt Payoff Box does not.
Which is updated more often, Debt Payoff Box or Debt Tracker Master?
Debt Payoff Box ships an update every 5 weeks, and Debt Tracker Master every 3 days. Most recently, Debt Payoff Box was updated on November 1, 2026 and Debt Tracker Master on November 4, 2026.

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