Comparison

Debt Control vs PayoffPath

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

Head to head
About

Debt Control

Manage all your debts and loans in one place. Track who owes you money and who you owe, with support for multiple currencies and payment reminders. View your debt history and get an overview of your financial commitments.

Highlights
  • Track money owed and borrowed
  • Support for multiple currencies
  • Payment period indication
  • Customizable reminders
  • Consolidated list of contacts and debts
  • Debt history log
Features
Read full description

The application "Debt Control" allows you to keep records of debts in situations where you owe someone money or you borrowed to someone. Application functions: — support of various currencies — indication of the period of pay off — reminders — a list of people with aggregation of all debts — history of debts

About

PayoffPath

Features
Read full description

See your debt-free date and know exactly what to pay next. PayoffPath turns your balances, APRs, and minimum payments into a clear payoff plan. Add credit cards and loans manually—no bank login or account required. BUILD YOUR PLAN • See your estimated debt-free date and total interest • Compare Snowball and Avalanche on your own numbers • Adjust your Extra budget and watch the schedule update • Compare minimums-only with your accelerated plan • Reorder debts to match your preferred strategy TRACK YOUR PROGRESS • Log minimum payments, extra payments, and one-off snowflakes • See principal and interest broken down automatically • Watch balances, progress bars, milestones, and monthly charts move forward • Use reminders for every debt’s due day • Check your next payment and debt-free countdown from Home Screen widgets FREE INCLUDES • Up to 3 active debts • Snowball and Avalanche strategies • Full strategy comparison, including estimated finish dates and interest • Payment tracking, reminders, and local progress PRO — $19.99 ONCE Upgrade when you need more advanced planning. Pay once for lifetime Pro access. No subscription or recurring charges. • Unlimited debts • Hybrid and Custom payoff strategies • What-if Extra simulator • Target-date mode: work backwards from your ideal debt-free date • Leftover-to-Extra and monthly focus tools • Balance-transfer and consolidation analyzers • Partner plan sharing • CSV and PDF exports • Premium skin collections PRIVATE BY DESIGN • No bank login and no PayoffPath account • Core planning works offline • No ads, no analytics, and no cross-app tracking • Your debt data stays on your device unless you choose iCloud backup or export and share it yourself Back up to your personal iCloud, export a JSON backup for a new phone, or keep everything only on this device. We never receive a copy of your debt data. PayoffPath Pro Lifetime is $19.99 once. Restore your purchase on another device with the same Apple ID. Payoff dates and interest are estimates based on the information you enter. PayoffPath is a planning tool, not financial advice; confirm balances, rates, and payment details with your lenders. Privacy Policy: https://hairuizhi-cn.github.io/payoffpath-privacy/ Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debt Control4 screens
PayoffPath4 screens

Verdict

The call

The clearest difference is update cadence: PayoffPath at every 2 days against Debt Control's every 2 months. Debt Control's advantage is iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases 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 Control sells 3 one-off in-app purchases and PayoffPath sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Debt Control ships an update every 2 months, PayoffPath every 2 days. Both last shipped on November 13, 2026.

Scorecard2 real differences · 8 level
Debt Control versus PayoffPath: the parameters behind the verdict, then further details
ParameterDebt ControlPayoffPath
PriceFreeFree
Rating4.5 (33 ratings) — better—
Positive reviews64.2% of reviews—
Number of ratings33 — better—
Update frequencyEvery 2 monthsEvery 2 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.0 — better17.0
Further details — not scored
Size23 MB17 MB
Age rating4+4+
DeveloperCleverPumpkin Ltd.如飞 苏

In-app purchases

3 purchases

Debt Control

One-time3
  • Premium$0.99
  • Premium$2.99
  • Premium$4.99
3 purchases

PayoffPath

Subscriptions2
  • PayoffPath Pro Yearly$4.991 Month
  • PayoffPath Pro Yearly$29.991 Year
One-time1
  • PayoffPath Pro Lifetime$19.99

Questions

Is Debt Control free?
Debt Control is free to download, with in-app purchases available.
Is PayoffPath free?
PayoffPath is free to download, with in-app purchases available.
Do Debt Control or PayoffPath have ads?
Neither Debt Control nor PayoffPath shows ads.
Which is updated more often, Debt Control or PayoffPath?
Debt Control ships an update every 2 months, and PayoffPath every 2 days. Most recently, Debt Control was updated on November 13, 2026 and PayoffPath on November 13, 2026.

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