# Debt Payoff Box vs Payment Tracker

The clearest difference is update cadence: Payment Tracker at weekly against Debt Payoff Box's every 5 weeks. Debt Payoff Box's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 17.0). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Payoff Box sells 1 one-off in-app purchase and Payment Tracker sells 3 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Debt Payoff Box ships an update every 5 weeks, Payment Tracker weekly. The most recent releases landed on November 11, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Debt Payoff Box | Payment Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2.5K ratings)](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873/reviews)** | — |
| Number of ratings | **2.5K** | — |
| Positive reviews | 34.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | Freemium | — |
| Size | 44 MB | 18 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Natalia Alekseenko](https://appshunter.io/developer/1687799743) | [Bahattin Duran](https://appshunter.io/developer/1677311418) |

## What reviewers say

### Debt Payoff Box

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

Plan and track your credit card and loan payments to become debt-free. Visualize your payoff schedule month-by-month and see how much interest you can save. Offers multiple payoff strategies and the ability to plan extra payments.

**Highlights:** Debt payoff planning, Snowball and Avalanche strategies, Customizable payment schedules, Interest savings calculation, Extra payment planning, No bank login required

**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


### Payment Tracker

[App page](https://appshunter.io/ios/app/payment-tracker-paylog/id6767353606)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayLog Premium — Weekly | $2.99 | per 7 days |
| PayLog Premium — Monthly | $6.99 | per month |
| PayLog Premium — Yearly | $29.99 | per year |


## Frequently asked questions

### Is Debt Payoff Box free?

Debt Payoff Box is free to download, with in-app purchases available.

### Is Payment Tracker free?

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

### Do Debt Payoff Box or Payment Tracker have ads?

Neither Debt Payoff Box nor Payment Tracker shows ads.

### Which is updated more often, Debt Payoff Box or Payment Tracker?

Debt Payoff Box ships an update every 5 weeks, and Payment Tracker weekly. Most recently, Debt Payoff Box was updated on November 11, 2026 and Payment Tracker on November 9, 2026.

---

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