Comparison

Debt Zero vs Debt Tracker Master

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

Head to head
About

Debt Zero

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
Read full description

Getting out of debt is a journey, and having a clear plan makes all the difference. Debt Zero is designed to give you the clarity and confidence you need to reach financial peace faster. Most finance apps look backward at what you’ve already spent. Debt Zero looks forward, showing you exactly when you will be out of debt. Whether you prefer the early wins of the Snowball method or the interest savings of the Avalanche method, we help you build a plan to move you towards being debt free. • COMPLETE PRIVACY: Your financial data stays on your device, exactly where it belongs. No bank connections, no data sharing, and no broken syncs—just a secure place for your plan. • SEE YOUR PROGRESS: Watch your "Freedom Date" get closer in real-time. Discover how a plan for extra payments today can shave months off your timeline and save you money in the long run. • STAY ORGANIZED: Use the built-in calendar to visualize your regular payments and plan your strategy with a clear, calm roadmap. • DAILY MOTIVATION: Keep your goals front and center with elegant home screen widgets that celebrate every step of your journey. • JOURNEY MILESTONES: Celebrate small wins along the way, earn milestone stickers, and share your progress to encourage others. • A PERSONAL EXPERIENCE: Customize the app to match your style with premium themes and icons designed for a beautiful, native iOS experience. • ESTABLISHED TRUST: Built and launched in 2020, Debt Zero has been a reliable companion for users on their path to financial freedom for over half a decade. Debt Zero does not sync with financial institutions. We understand that entering data can feel like a big step, but taking that moment to organize your numbers is the first step toward taking control of your future. While automated tracking can feel convenient, active engagement with your plan helps you stay focused on reaching your goals. You aren’t just downloading a tracker; you’re choosing a clearer, calmer path to $0.00. You’ve got this! Privacy Policy: https://debtzero.couleemoon.ca/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Debt Tracker Master

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
Read full description

Debt Tracker Master is a payoff tracker for credit cards, auto loans, student loans, and mortgages you already have. It does not lend money, check your credit, or offer loans. See every balance, the next due date, and principal versus interest for the next 6 months. Record a payment when you make it, set a reminder before the due date, and watch the balance come down. What you can track - Total balance, payoff countdown, overdue items, and upcoming payments on one dashboard - Each debt: lender, interest rate, start date, due date, and repayment method - Credit cards, installment loans, mortgages, and lines of credit - A 6-month view of principal and interest - Reminders on the due date, 1 day before, or 2 days before - Home Screen widgets for the next payment - Short lessons on loan terms, including how snowball and avalanche payoff methods work Free to record and plan. Debt Tracker Pro removes ads and adds iCloud sync. Debt Tracker Master does not provide loans, credit, or financial advice. It is your own record of what you owe and how you plan to repay it. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://d.bapps.uk/privacy-policy.html

Screenshots

Debt Zero4 screens
Debt Tracker Master4 screens

Verdict

The call

The clearest difference is review sentiment: Debt Zero at 75% against Debt Tracker Master's 0%. Debt Zero also leads on ads (none vs shown) and rating (4.1 vs 3.7). Debt Tracker Master's advantage is update cadence (every 3 days vs every 3 weeks) and iOS requirement (16.6 vs 26.0). On price, in-app purchases, monetization model 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 Zero sells 6 in-app purchases, starting at $1.99 per month 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.

ReceptionRating · Positive reviews · Number of ratings

Debt Zero holds the better App Store score, 4.1 against 3.7. That said, the two scores are not equally well evidenced: Debt Zero has 15 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 75% of Debt Zero's written reviews are positive against 0% of Debt Tracker Master's.

UpkeepUpdate frequency

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

Scorecard6 real differences · 4 level
Debt Zero versus Debt Tracker Master: the parameters behind the verdict, then further details
ParameterDebt ZeroDebt Tracker Master
PriceFreeFree
Rating4.1 (15 ratings) — better3.7 (3 ratings)
Positive reviews75.0% of reviews — better0.0% of reviews
Number of ratings15 — better3
Update frequencyEvery 3 weeksEvery 3 days — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS26.016.6 — better
Further details — not scored
Size208 MB50 MB
Age rating4+4+
DeveloperCasi Knibbs娜 杨

Customer experience

Debt Zero

All ratings14 ratings
Positive78.6%
Neutral7.1%
Negative14.3%
Written reviews8 reviews
Positive75.0%
Neutral12.5%
Negative12.5%

Debt Tracker Master

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

6 purchases

Debt Zero

Subscriptions4
  • Enable All Features$1.991 Month
  • Enable All Features14 Days trial$9.991 Year
  • Enable All Features1 Year trial$9.991 Year
Show 1 more
  • Enable All Features14 Days trial$14.991 Year
One-time2
  • Unlock Themes & Icons$1.99
  • Enable All Features$39.99
4 purchases

Debt Tracker Master

Subscriptions2
  • DebtTracker Pro Monthly$3.991 Month
  • DebtTracker Pro Yearly3 Days trial$17.991 Year
One-time2
  • Remove Ads$3.99
  • DebtTracker Pro Lifetime$39.99

Questions

Is Debt Zero free?
Debt Zero 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 Zero or Debt Tracker Master?
Debt Zero is rated higher. Debt Zero averages 4.1 out of 5 from 15 ratings, while Debt Tracker Master averages 3.7 from 3 ratings.
Do Debt Zero or Debt Tracker Master have ads?
Debt Tracker Master shows ads; Debt Zero does not.
Which is updated more often, Debt Zero or Debt Tracker Master?
Debt Zero ships an update every 3 weeks, and Debt Tracker Master every 3 days. Most recently, Debt Zero was updated on October 24, 2026 and Debt Tracker Master on October 25, 2026.

Other comparisons