# Debt Payoff Box vs Debt Tracker Master

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.

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.

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.

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.

## The numbers

| Metric | Debt Payoff Box | Debt Tracker Master |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2.5K ratings)](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/debt-tracker-master/id6473278027/reviews) |
| Number of ratings | **2.5K** | 3 |
| Positive reviews | **34.0% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Every 3 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 34 MB | 50 MB |
| Requires iOS | **15.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Natalia Alekseenko](https://appshunter.io/developer/1687799743) | [娜 杨](https://appshunter.io/developer/1700983284) |

## What reviewers say

### Debt Payoff Box

[App page](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Get PRO version | $9.99 | one-time |

**What reviewers like**

- 👍 Simple and easy to use
- 🚀 Helpful for debt planning
- 🚀 Straightforward layout
- 🚀 Provides amortization schedules
- 🚀 Calculates snowball effect

**What reviewers complain about**

- 🐛 Buggy and glitchy
- 💰 Requires paid upgrade for basic features
- 🔒 No cloud sync or backup
- 🔒 No passcode or security features
- 💡 Lacks flexibility for extra payments

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/debt-tracker-master/id6473278027)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtTracker Pro Monthly | $3.99 | per month |
| DebtTracker Pro Yearly | $17.99 | per year |
| Remove Ads | $3.99 | one-time |
| DebtTracker Pro Lifetime | $39.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*