My Debts vs Debt Payoff Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My Debts
Effectively manage your debts and monthly payments with an intuitive interface. Track personal finances, organize expenses, and avoid late fees. Stay on top of your financial health and reduce debt-related stress.
- Debt management
- Expense tracking
- Payment organization
- Subscription management
- Payment reminders
- Financial health improvement
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Organize your debts, expenses and payments easily. With Mis Deudas, keep track of debts, everyday expenses, subscriptions and monthly payments in one place. Get reminders and improve your personal savings. Do you have debts, pending payments or several subscriptions and forget the due dates? With Mis Deudas you can: Track debts, bills, monthly payments, subscriptions and tandas (rotating savings groups). Log your daily expenses and sort them by category. Scan receipts to capture expenses faster. Get reminders before every payment. See the total of your debts and expenses in real time. View reports with charts of your spending by category. Use Home Screen widgets to see your finances at a glance. Add expenses and check your balance with Siri Shortcuts and quick actions. Organize your money and plan your savings better. Access premium features like expense tracking, subscriptions and recurring monthly payments. Mis Deudas is the ideal app for anyone who wants to manage their personal finances simply and quickly. Download now and start taking control of your finances. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Debt Payoff Tracker
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Zero - Know Your Debt-Free Date. Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom. CHOOSE YOUR STRATEGY - Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound. - Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall. - Compare both side-by-side: see which strategy saves more in interest and time. - Switch strategies anytime without losing your data. UNDERSTAND WHERE EVERY DOLLAR GOES - See every balance you owe - credit cards, auto loans, personal debts, and more - Track monthly interest charges and total interest cost per debt - Watch your principal balance shrink with every repayment - Know how your income and expenses affect your debt payoff pace - What-If Calculator: how much do you save by adding $100 or $500 per month? WATCH YOUR PROGRESS - Total debt countdown with a live payoff date projection - Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero - Days-to-freedom countdown (Premium) - Full repayment history (Premium) AI DEBT COACH (PREMIUM) Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom. - "Should I switch from Snowball to Avalanche?" - "What if I repay an extra $300 this month?" - "How do I free up income to accelerate my payoff?" Powered by advanced AI. 30 questions per day. ZERO PRO FEATURES - Unlimited debts (free tier: up to 5) - Full repayment history - Interest vs. principal monthly breakdown - Payoff timeline visualization - Days-to-freedom countdown - AI Debt Coach (30 queries/day) - Export to CSV - Shareable progress cards - Custom app icons FREE TIER INCLUDES - Up to 5 debts tracked - Snowball and Avalanche strategies with side-by-side comparison - Payment logging with milestone celebrations - Payoff date projection - What-If Calculator Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is ads: Debt Payoff Tracker at none against My Debts's shown. My Debts's advantage is update cadence (weekly 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
Both are free to download. My Debts sells 5 in-app purchases, starting at $3.99 per month and Debt Payoff Tracker sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
My Debts ships an update weekly, Debt Payoff Tracker every 3 months. The most recent releases landed on October 19, 2026 and October 26, 2026 respectively.
| Parameter | My Debts | Debt Payoff Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (9 ratings) — better | — |
| Positive reviews | 71.4% of reviews | — |
| Number of ratings | 9 — better | — |
| Update frequency | Weekly — better | Every 3 months |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone | iPhone |
| Requires iOS | 18.6 | 18 — better |
| Further details — not scored | ||
| Size | 40 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | Ivan Andres Venegas Muniz | Karol Jaworski |
In-app purchases
My Debts
- Premium Monthly7 Days trial$3.991 Month
- Premium Annual7 Days trial$29.991 Year
- Subscription Module$3.99
- Monthly Payments Module$3.99
- Complete Plan$6.99
Debt Payoff Tracker
- Zero Pro Monthly$4.991 Month
- Zero Pro - First Year Offer1 Year trial$39.991 Year
- Zero Pro Yearly$39.991 Year
Questions
Is My Debts free?
Is Debt Payoff Tracker free?
Do My Debts or Debt Payoff Tracker have ads?
Which is updated more often, My Debts or Debt Payoff Tracker?
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