# My Debts vs Debt Payoff Tracker

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.

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.

## The numbers

| Metric | My Debts | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (9 ratings)](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | 71.4% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 3 months |
| Monetization | Freemium | — |
| Size | 40 MB | 4 MB |
| Requires iOS | 18.6 | **18** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Ivan Andres Venegas Muniz](https://appshunter.io/developer/1563933609) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## What reviewers say

### My Debts

[App page](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447)

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.

**Highlights:** Debt management, Expense tracking, Payment organization, Subscription management, Payment reminders, Financial health improvement

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $3.99 | per month |
| Premium Annual | $29.99 | per year |
| Subscription Module | $3.99 | one-time |
| Monthly Payments Module | $3.99 | one-time |
| Complete Plan | $6.99 | one-time |


### Debt Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is My Debts free?

My Debts is free to download, with in-app purchases available.

### Is Debt Payoff Tracker free?

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

### Do My Debts or Debt Payoff Tracker have ads?

My Debts shows ads; Debt Payoff Tracker does not.

### Which is updated more often, My Debts or Debt Payoff Tracker?

My Debts ships an update weekly, and Debt Payoff Tracker every 3 months. Most recently, My Debts was updated on October 19, 2026 and Debt Payoff Tracker on October 26, 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.*