Comparison

Debt Tracker vs Debt Payoff Planner Plus

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

Head to head
About

Debt Tracker

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
Read full description

Debt Tracker is the ideal app for anyone who needs to manage their debt efficiently. With this app, you can easily stay organized and keep track of all your financial commitments. Whether it’s tracking your debt or monitoring what others owe you, the app’s powerful features help you stay on top of it all with our comprehensive debt tracker. Here’s what Debts - Manage your debtors offers: 1. Manage your debt and receivables effortlessly. 2. Separate your debts and receivables by currency for easy management of international transactions. 3. Track the total amount of your debts and receivables at any time. 4. Use the debt payoff planner to organize your payments and set clear goals. 5. Keep track of the monthly status of your debts and payments. 6. Stay organized with our easy-to-use payment tracker. 7. Track your overall finances with the intuitive money tracking app. Our debt payoff planner helps you create a clear path to pay off your debt, so you always know what’s next. The debt payoff planner tracker ensures you stay on track with monthly updates, allowing you to see exactly where you stand with your debt. This way, you can avoid surprises and manage everything in one place. With the debt tracker, you can also keep an eye on your overall debt status and stay organized by tracking both debts and receivables. The debt tracker feature is designed to provide a clear overview of what you owe and what others owe you, ensuring you never lose sight of your financial situation. Additionally, the debt payoff planner tracker keeps you informed on the progress of your debt payoff plan. Plus, the payment tracker makes it easy to monitor every payment, whether you’re paying off your debt or waiting to receive funds. Our money tracker and money tracking app also help you get a complete view of your finances, so you can always stay in control. Download Debt tracker today and take control of your debt! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Debt Payoff Planner Plus

Features
Read full description

Take control of your debt and see a clear path forward. Organize everything in one place, choose a proven payoff strategy, and watch your debt-free date move closer in real time. Build momentum, stay consistent, and become debt-free faster. Debt Payoff Planner is a simple, privacy-first debt tracker and payoff calculator built for real life. No bank linking. No sign-up required. Just clear numbers, smart plans, and progress you can feel. WHY PEOPLE USE DEBT PAYOFF PLANNER · See all credit cards, loans, and bills in one clean dashboard · Know exactly which debt to pay first · Test extra payments and instantly see your new payoff date · Stop missing due dates with smart reminders · Stay motivated with visible wins and milestones CORE FEATURES · Fast setup with no account required · Add unlimited debts including credit cards, personal loans, auto, medical, student loans, mortgage, and more · Snowball and Avalanche strategies with side-by-side comparison · Real-time what-if simulator with extra payment slider · Month-by-month payment schedule for every debt · Progress dashboard showing total paid, interest avoided, and time remaining · Payment logging and upcoming due date reminders · Works offline with all calculations on your device · Multi-currency support for global users DESIGNED FOR REAL LIFE Whether you are paying minimums, adding a little extra each month, or dealing with uneven income, Debt Payoff Planner adapts to your situation. Adjust anytime and instantly see the impact. PRIVATE AND TRUSTWORTHY · No bank connections · No sensitive financial syncing · Your data stays on your device · No account, cloud backup, or remote sync FREE TO USE All core features are free. Remove ads anytime with a small one-time purchase. No subscriptions. No locked essentials. If you are ready to stop guessing and start making progress, download Debt Payoff Planner today and take the first step toward being debt-free.

Screenshots

Debt Tracker4 screens
Debt Payoff Planner Plus4 screens

Verdict

The call

The clearest difference is ads: Debt Tracker at none against Debt Payoff Planner Plus's shown. Debt Tracker also leads on update cadence (every 5 weeks vs every 3 months). On price, in-app purchases, device support and iOS requirement 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 Tracker sells 3 in-app purchases, starting at $0.99 per month and Debt Payoff Planner Plus sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Debt Tracker ships an update every 5 weeks, Debt Payoff Planner Plus every 3 months. The most recent releases landed on October 16, 2026 and September 10, 2026 respectively.

Scorecard2 real differences · 8 level
Debt Tracker versus Debt Payoff Planner Plus: the parameters behind the verdict, then further details
ParameterDebt TrackerDebt Payoff Planner Plus
PriceFreeFree
Rating4.4 (105 ratings) — better—
Positive reviews63.6% of reviews—
Number of ratings105 — better—
Update frequencyEvery 5 weeks — betterEvery 3 months
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.415.1 — better
Further details — not scored
Size38 MB6 MB
Age rating4+4+
DeveloperAppFlux LabsStorq Labs BV

In-app purchases

3 purchases

Debt Tracker

Subscriptions2
  • 1 Month$0.991 Month
  • 12 Months$4.991 Year
One-time1
  • Lifetime$9.99
1 purchases

Debt Payoff Planner Plus

One-time1
  • Remove Ads$1.99

Questions

Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Is Debt Payoff Planner Plus free?
Debt Payoff Planner Plus is free to download, with in-app purchases available.
Do Debt Tracker or Debt Payoff Planner Plus have ads?
Debt Payoff Planner Plus shows ads; Debt Tracker does not.
Which is updated more often, Debt Tracker or Debt Payoff Planner Plus?
Debt Tracker ships an update every 5 weeks, and Debt Payoff Planner Plus every 3 months. Most recently, Debt Tracker was updated on October 16, 2026 and Debt Payoff Planner Plus on September 10, 2026.

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