Debt Tracker vs Payplan
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Tracker
Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.
- Record who owes you money
- Manage your own debts
- Detailed debt data (amount, currency, payments)
- Global history of paid and pending debts
- Add partial payments
- Backup and restore records
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Debt Tracker is a simple IOU manager: keep track of who owes you money, what you've lent, and how much you owe. Record amounts, follow payments, and review everything in one place, without unnecessary complexity. You can create personal debts in multiple currencies and assign them to contacts created inside the app. If you want, you can also sync those contacts with your device address book to import their name and photo, always as an optional feature. This makes it easier to keep everything organized and adapt the app to the way you already work. Key features: - Manage personal debts in multiple currencies - Track every IOU, from the first amount to the last payment - Add partial payments and record multiple payments for the same debt - Check balances by contact and see a global balance - Filter, search, and sort your debt history the way you prefer - Add due dates and set reminders before each payment - Create backups, import data, and export your information whenever you need - Offline app, no account, and your data always under your control > Real payment tracking and up-to-date balances: Each debt can include multiple payments. You can add partial payments as many times as you need and always see how much has been paid and how much is still pending. When the total of all payments reaches the full amount, the debt is automatically marked as paid. Unlike a static list, it always reflects the real state of every debt. > Two ways to review your information: Most people start with the contacts view because it is the fastest way to review debts, answer "who owes me?", and see who you owe. You can quickly review each contact balance and the overall balance at the top of the screen. You also get a dedicated debts tab with search, history, and advanced filters. There you can see all debts, only pending debts, only money owed to you, or only what you owe. You can also change the sorting to review recent changes, amounts, or other criteria. > Due dates and reminders: One of the most useful parts of the app is its due date management. You can add a due date to each debt, see how much time is left, and configure reminders in advance. That way, the app not only stores your records, but also helps you stay ahead of upcoming payments. > Privacy, backups, and exports: This app works with a local database. Your data never leaves your device unless you explicitly decide to take it out yourself, for example through a database export, a CSV export, a clipboard copy, and more. You can also create backups and import your information whenever you need. If you want a private offline app with no account, you stay in control at all times. In short, Debt Tracker brings your IOUs, payments, due dates, reminders, and data export together in one place, so you always know who owes you and what you owe.
Payplan
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Payplan is an intuitive and efficient application designed to help you organize your monthly debts. With Payplan, you can easily track all your expenses and ensure that you are always in control of your finances. In addition to tracking your monthly expenses, Payplan offers additional features to help you manage your debts efficiently. With this intuitive app, you can create a personalized payment plan, setting realistic goals to gradually pay off your debts.
Screenshots
Verdict
The clearest difference is update cadence: Payplan at weekly against Debt Tracker's every 2 weeks. Payplan also leads on iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases 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 Tracker sells 15 in-app purchases, starting at $2.99 per month and Payplan sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
Debt Tracker ships an update every 2 weeks, Payplan weekly. The most recent releases landed on October 17, 2026 and October 2, 2026 respectively.
| Parameter | Debt Tracker | Payplan |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (66 ratings) — better | — |
| Positive reviews | 83.3% of reviews | — |
| Number of ratings | 66 — better | — |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 45 MB | 26 MB |
| Age rating | 17+ | 12+ |
| Developer | David Serrano Canales | Andre Salvador |
In-app purchases
Debt Tracker
- Premium$2.991 Month
- Premium$3.991 Month
- Premium$7.491 Month
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- Premium7 Days trial$8.991 Year
- Premium$11.991 Year
- Premium14 Days trial$12.991 Year
- Premium1 Month trial$12.991 Year
- Premium7 Days trial$12.991 Year
- Premium$17.991 Year
- Premium7 Days trial$17.991 Year
- Premium1 Month trial$37.991 Year
- Premium$17.99
- Premium Lifetime$24.99
- Premium$34.99
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- Premium$99.99
Payplan
- Sem anúncios$0.99








