Comparison

Debts vs Payoff! Auto

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debts

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
Currently charting
Read full description

Debts is a companion app for tracking debt on your road to financial freedom. Track what you owe, record payments and spending, get reminders from your payment schedule, and plan your payoff with the built-in estimator. Record detailed payment and spending transactions for accurate balances. A clear progress indicator keeps your payoff momentum going, while the payment schedule highlights upcoming due dates at a glance. Use the Payoff Plan to estimate total interest and your payoff date. Debts includes the popular debt snowball method, taught and endorsed by many financial professionals: you focus on one debt at a time in a chosen payoff order, and once a debt is cleared, its payment amount “snowballs” to the next. FEATURES * Payment progress indicators for easy tracking and motivation * Record payment and spending transactions for accurate balances * Quick view of upcoming scheduled payments * Timely due-date reminders with notifications * Payoff Plan estimator to support your payoff planning * Built-in debt snowball method for estimates and planning * Export reports with charts in CSV/PDF and open in third-party apps (e.g., Numbers, Dropbox) * Supports multiple currencies based on your device region settings (USD, EUR, JPY, and more) Debts is a universal app for iPhone and iPad. No sign-up. No ads. Your data stays on your device.

About

Payoff! Auto

Calculate key car loan details like monthly payments, payoff dates, and total interest. Compare loan terms and interest rates to make informed financial decisions.

Highlights
  • Calculate monthly payment
  • Determine payoff date
  • Estimate total interest cost
  • Calculate total loan cost
  • Compare loan length vs. interest rate
  • Custom keypad for easy data entry
Features
Read full description

Payoff! Auto is a simple, useful tool to figure out all of the info you would need when contemplating a new car loan, including: • Monthly Payment • Payoff Date • Total Interest Cost • Total Loan Cost • Compare Loan Length vs. Interest Rate The custom keypad allows you to enter your info quickly and easily with an ATM style entry. You can enter data, clear fields and even turn off the need to enter cents without having to leave the keypad to change fields With the compare screen, you can quickly see how these important figures change as you increase or decrease the interest rate and loan length, allowing you to decide if a lower interest or a longer term is better for you!

Screenshots

Debts4 screens
Payoff! Auto2 screens

Verdict

The call

The clearest difference is price: Payoff! Auto at Free against Debts's $2.99. Payoff! Auto also leads on update cadence (every 3 weeks vs every 5 months) and review sentiment (88% vs 67%). Debts's advantage is ads (none vs shown) and chart position (#197 vs unranked). On 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

CostPrice · In-app purchases · Ads · Monetization

Payoff! Auto is free to download; Debts costs $2.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Debts ships an update every 5 months, Payoff! Auto every 3 weeks. The most recent releases landed on October 11, 2026 and September 30, 2026 respectively.

Scorecard6 real differences · 5 level
Debts versus Payoff! Auto: the parameters behind the verdict, then further details
ParameterDebtsPayoff! Auto
Price$2.99Free — better
Rating—3.0 (2 ratings) — better
Positive reviews66.7% of reviews87.5% of reviews — better
Number of ratings—2 — better
Update frequencyEvery 5 monthsEvery 3 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationPaidAd-supported — better
Best chart rank#197 — better—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.114.0 — better
Further details — not scored
Size3 MB12 MB
Age rating4+4+
DeveloperCooplaPocketForge

Customer experience

Debts

Written reviews24 reviews
Positive66.7%
Neutral4.2%
Negative29.2%

Payoff! Auto

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews8 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

In-app purchases

None

Debts

No in-app purchases

None

Payoff! Auto

No in-app purchases

Questions

Is Debts free?
Debts costs $2.99, with no in-app purchases.
Is Payoff! Auto free?
Payoff! Auto is free to download, with no in-app purchases.
Do Debts or Payoff! Auto have ads?
Payoff! Auto shows ads; Debts does not.
Which is updated more often, Debts or Payoff! Auto?
Debts ships an update every 5 months, and Payoff! Auto every 3 weeks. Most recently, Debts was updated on October 11, 2026 and Payoff! Auto on September 30, 2026.

Other comparisons