Debts vs Payoff! Auto
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track debt and payments
- Payment schedule and reminders
- Debt payoff estimator
- Debt snowball method support
- Export reports (CSV/PDF)
- Multi-currency support
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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.
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.
- 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
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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
Verdict
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
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.
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.
| Parameter | Debts | Payoff! Auto |
|---|---|---|
| Price | $2.99 | Free — better |
| Rating | — | 3.0 (2 ratings) — better |
| Positive reviews | 66.7% of reviews | 87.5% of reviews — better |
| Number of ratings | — | 2 — better |
| Update frequency | Every 5 months | Every 3 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Paid | Ad-supported — better |
| Best chart rank | #197 — better | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 14.1 | 14.0 — better |
| Further details — not scored | ||
| Size | 3 MB | 12 MB |
| Age rating | 4+ | 4+ |
| Developer | Coopla | PocketForge |
Customer experience
Debts
Payoff! Auto
In-app purchases
Debts
No in-app purchases
Payoff! Auto
No in-app purchases
Questions
Is Debts free?
Is Payoff! Auto free?
Do Debts or Payoff! Auto have ads?
Which is updated more often, Debts or Payoff! Auto?
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