# Debt Tracker vs Debt Payoff Tracker

The clearest difference is ads: Debt Payoff Tracker at none against Debt Tracker's shown. Debt Tracker's advantage is update cadence (every 3 weeks vs every 3 months) and device support (3 vs 1). On price and in-app purchases there is nothing between them.

Both are free to download. Debt Tracker sells 15 in-app purchases, starting at $2.99 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.

Debt Tracker ships an update every 3 weeks, Debt Payoff Tracker every 3 months. The most recent releases landed on October 1, 2026 and September 8, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (61 ratings)](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707/reviews)** | — |
| Number of ratings | **61** | — |
| Positive reviews | 83.3% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | — |
| Size | 46 MB | 4 MB |
| Requires iOS | **15.6** | 18 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [David Serrano Canales](https://appshunter.io/developer/1544987496) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707)

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.

**Highlights:** 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

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

**In-app purchases (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $2.99 | per month |
| Premium | $3.99 | per month |
| Premium | $7.49 | per month |
| Premium | $8.99 | per year |
| Premium | $11.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $17.99 | per year |
| Premium | $17.99 | per year |
| Premium | $37.99 | per year |
| Premium | $17.99 | one-time |
| Premium Lifetime | $24.99 | one-time |
| Premium | $34.99 | one-time |
| Premium | $99.99 | 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 Debt Tracker free?

Debt Tracker 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 Debt Tracker or Debt Payoff Tracker have ads?

Debt Tracker shows ads; Debt Payoff Tracker does not.

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

Debt Tracker ships an update every 3 weeks, and Debt Payoff Tracker every 3 months. Most recently, Debt Tracker was updated on October 1, 2026 and Debt Payoff Tracker on September 8, 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.*