# Debt Tracker vs Debt Zero

The clearest difference is rating: Debt Tracker at 4.4 against Debt Zero's 4.1. Debt Tracker also leads on ratings volume (105 vs 15) and iOS requirement (16.4 vs 26.0). Debt Zero's advantage is review sentiment (75% vs 64%). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Tracker sells 3 in-app purchases, starting at $0.99 per month and Debt Zero sells 6 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Tracker holds the better App Store score, 4.4 against 4.1. That said, the two scores are not equally well evidenced: Debt Tracker has 105 ratings behind it against 15, so its average is the more settled of the two. Written reviews complicate that: 64% of Debt Tracker's written reviews are positive against 75% of Debt Zero's, so the app with the better star average is not the one people write more warmly about.

Debt Tracker ships an update every 5 weeks, Debt Zero every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Debt Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews)** | [4.1 (15 ratings)](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557/reviews) |
| Number of ratings | **105** | 15 |
| Positive reviews | 63.6% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 38 MB | 208 MB |
| Requires iOS | **16.4** | 26.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [Casi Knibbs](https://appshunter.io/developer/1521549479) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142)

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

**Highlights:** Manage debts and receivables, Separate by currency, Debt payoff planner, Monthly status tracking, Payment tracker, Money tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month | $0.99 | per month |
| 12 Months | $4.99 | per year |
| Lifetime | $9.99 | one-time |


### Debt Zero

[App page](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557)

This app helps you manage and pay off your debts using popular methods like snowball or avalanche. Plan your payments, track progress with timelines, and visualize savings. Personalize your experience and stay motivated with widgets.

**Highlights:** Debt payoff planning, Snowball and avalanche methods, Payment calendar, Progress tracking, Savings estimates, Customization options, Home screen widgets

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Enable All Features | $1.99 | per month |
| Enable All Features | $9.99 | per year |
| Enable All Features | $9.99 | per year |
| Enable All Features | $14.99 | per year |
| Unlock Themes & Icons | $1.99 | one-time |
| Enable All Features | $39.99 | one-time |


## Frequently asked questions

### Is Debt Tracker free?

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

### Is Debt Zero free?

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

### Which has better reviews, Debt Tracker or Debt Zero?

Debt Tracker is rated higher. Debt Tracker averages 4.4 out of 5 from 105 ratings, while Debt Zero averages 4.1 from 15 ratings.

### Do Debt Tracker or Debt Zero have ads?

Neither Debt Tracker nor Debt Zero shows ads.

### Which is updated more often, Debt Tracker or Debt Zero?

Debt Tracker ships an update every 5 weeks, and Debt Zero every 3 weeks. Most recently, Debt Tracker was updated on October 25, 2026 and Debt Zero on October 24, 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.*