# Debts vs Debt Payoff Planner & Tracker

The clearest difference is price: Debt Payoff Planner & Tracker at Free against Debts's $2.99. Debt Payoff Planner & Tracker also leads on update cadence (every 2 months vs every 5 months). Debts's advantage is in-app purchases (none vs 5) and ads (none vs shown). On review sentiment, chart position, device support and iOS requirement there is nothing between them.

Debt Payoff Planner & Tracker is free to download; Debts costs $2.99 up front. Debt Payoff Planner & Tracker sells 5 in-app purchases, starting at $6.99 per month. Debts asks for nothing beyond the download.

Debts ships an update every 5 months, Debt Payoff Planner & Tracker every 2 months. The most recent releases landed on October 11, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Debts | Debt Payoff Planner & Tracker |
| --- | --- | --- |
| Price | $2.99 | **Free** |
| Rating | — | **[4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** |
| Number of ratings | — | **7.3K** |
| Positive reviews | **66.7% of reviews** | 63.2% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | #198 | **#76** |
| Size | 3 MB | 8 MB |
| Requires iOS | **14.1** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Coopla](https://appshunter.io/developer/322335418) | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) |

## What reviewers say

### Debts

[App page](https://appshunter.io/ios/app/debts/id363447040)

**Currently charting:** #198 Top Paid · Finance (US App Store)

This app helps you manage and pay off your debts. Track payments, get reminders, and use a built-in estimator to plan your payoff strategy, including the debt snowball method. Export reports and manage multiple currencies.

**Highlights:** Track debt and payments, Payment schedule and reminders, Debt payoff estimator, Debt snowball method support, Export reports (CSV/PDF), Multi-currency support

**In-app purchases:** none


### Debt Payoff Planner & Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715)

**Currently charting:** #76 Top Grossing · Finance (US App Store)

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

**Highlights:** Customized debt repayment schedule, Debt Snowball payoff strategy, Debt Avalanche payoff strategy, Debt Snowflake payoff strategy, Track loan payments, Budget additional payments, View payoff scenarios

**Features:** Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Subscription | $6.99 | per month |
| Friends and Family 1 Month | $10.49 | per month |
| 3 Month Subscription | $13.99 | per 3 months |
| 12 Month Subscription | $27.99 | per year |
| Friends and Family 12 Months | $41.99 | per year |

**What reviewers like**

- 💯 Excellent debt tracking and planning
- 🔍 Detailed debt breakdown and payoff timeline
- 🎯 Helps stay motivated and on track
- 👍 Simple and easy to use interface
- 🤑 Affordable premium subscription

**What reviewers complain about**

- 🐛 Occasional app crashes and stability issues
- 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
- 💰 Frustration with premium-only features
- 🔢 Difficulty making changes to existing debt entries
- 💸 Concerns about recurring subscription costs

**Reported bugs**

- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates

**Requested features**

- Add ability to track recurring income and expenses
- Implement biweekly or weekly payment options
- Improve flexibility for editing debt details
- Provide option to export data and reports
- Add support for multiple currencies


## Frequently asked questions

### Is Debts free?

Debts costs $2.99, with no in-app purchases.

### Is Debt Payoff Planner & Tracker free?

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

### Do Debts or Debt Payoff Planner & Tracker have ads?

Debt Payoff Planner & Tracker shows ads; Debts does not.

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

Debts ships an update every 5 months, and Debt Payoff Planner & Tracker every 2 months. Most recently, Debts was updated on October 11, 2026 and Debt Payoff Planner & Tracker on October 18, 2026.

### Which is more popular, Debts or Debt Payoff Planner & Tracker?

Debts currently peaks at #198 in the App Store charts, and Debt Payoff Planner & Tracker at #76. Chart position reflects recent download velocity rather than total install base.

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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.*