Debt Zero vs Debt Tracker Master
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Debt payoff planning
- Snowball and avalanche methods
- Payment calendar
- Progress tracking
- Savings estimates
- Customization options
- Home screen widgets
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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/
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.
- Debt recording and organization
- Repayment progress tracking
- Payment planning outlook
- Customizable payment reminders
- Personal finance learning resources
- Debt reduction reports
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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
Verdict
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
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.
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.
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.
| Parameter | Debt Zero | Debt Tracker Master |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (15 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 75.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 15 — better | 3 |
| Update frequency | Every 3 weeks | Every 3 days — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 26.0 | 16.6 — better |
| Further details — not scored | ||
| Size | 208 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | Casi Knibbs | 娜 杨 |
Customer experience
Debt Zero
Debt Tracker Master
In-app purchases
Debt Zero
- Enable All Features$1.991 Month
- Enable All Features14 Days trial$9.991 Year
- Enable All Features1 Year trial$9.991 Year
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- Enable All Features14 Days trial$14.991 Year
- Unlock Themes & Icons$1.99
- Enable All Features$39.99
Debt Tracker Master
- DebtTracker Pro Monthly$3.991 Month
- DebtTracker Pro Yearly3 Days trial$17.991 Year
- Remove Ads$3.99
- DebtTracker Pro Lifetime$39.99









