Comparison

Debts vs Debt Guide

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

Debt Guide

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

Highlights
  • Personalized debt repayment plans
  • Snowball and Avalanche payoff methods
  • Track multiple loans and credit cards
  • Payment reminders and alerts
  • Interactive progress charts and graphs
  • Ad-free experience
Features
Read full description

Take Control of Your Finances with Debt Guide – The Ultimate Debt Payoff Planner & Tracker Are you struggling with multiple debts and looking for a way to become debt-free faster? Debt Guide is your all-in-one solution to manage, track, and pay off debts efficiently. Whether it’s credit cards, student loans, car loans, or personal loans, Debt Guide helps you create a customized debt repayment plan using proven payoff strategies like the Snowball and Avalanche methods. Debt can feel overwhelming, but with the right plan and tools, financial freedom is within your reach. Debt Guide simplifies debt management by providing easy-to-use features, insightful analytics, and structured repayment strategies tailored to your financial situation. With its intuitive interface, you can track progress, visualize payments, and stay motivated on your journey to becoming debt-free. Key Features: Debt Payoff Planner: Create a personalized repayment plan that suits your financial situation. Choose from Debt Snowball (smallest balance first) or Debt Avalanche (highest interest first) methods to pay off debts efficiently. Track Multiple Debts: Manage all your loans, credit cards, and other debts in one place. Add details like balances, interest rates, and due dates for a clear financial overview. Payment Reminders: Never miss a due date! Get timely alerts so you can avoid late fees and keep your credit score healthy. Smart Payment Insights: Understand how much interest you’re paying and identify ways to save money with smarter repayment decisions. Customizable Payment Plans: Adjust your monthly payments to see how different strategies impact your debt-free timeline. Experiment with extra payments and see how much faster you can eliminate your debt. Interactive Charts & Graphs: Visualize your progress with insightful graphs that show your total debt reduction over time. Stay motivated as you see your debt shrinking! Debt Payoff Calculator: Use the built-in calculator to determine how long it will take to become debt-free based on your current payments. Ad-Free Experience: Enjoy a seamless, distraction-free app experience with no annoying ads. How Debt Guide Helps You Achieve Financial Freedom Step 1: Add Your DebtsInput details for each debt, including balance, interest rate, and minimum payment. Step 2: Choose a Payoff StrategySelect the Snowball or Avalanche method based on your preference. Step 3: Track Your ProgressMonitor your repayment journey with detailed charts and reports. Step 4: Stay Consistent with RemindersReceive payment alerts to avoid missed deadlines and late fees. Step 5: Adjust Your Plan as NeededExperiment with different payment amounts to optimize your debt payoff timeline. Don’t let debt control your life. Download Debt Guide now and take the first step towards financial freedom. With our powerful tools and simple interface, you’ll be on the fast track to eliminating debt and achieving peace of mind. Privacy Policy: https://hussainmustafa.com/privacy-policy-debt-guide/ Support: https://hussainmustafa.com/debt-guide-support/ Terms Of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debts4 screens
Debt Guide4 screens

Verdict

The call

The clearest difference is price: Debt Guide at Free against Debts's $2.99. Debts's advantage is in-app purchases (none vs 4) and chart position (#188 vs unranked). On review sentiment, update cadence, ads 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

CostPrice · In-app purchases · Ads · Monetization

Debt Guide is free to download; Debts costs $2.99 up front. Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Debts asks for nothing beyond the download.

UpkeepUpdate frequency

Debts ships an update every 5 months, Debt Guide every 3 months. The most recent releases landed on November 13, 2026 and November 12, 2026 respectively.

Scorecard4 real differences · 7 level
Debts versus Debt Guide: the parameters behind the verdict, then further details
ParameterDebtsDebt Guide
Price$2.99Free — better
Rating—4.8 (50 ratings) — better
Positive reviews66.7% of reviews — better61.5% of reviews
Number of ratings—50 — better
Update frequencyEvery 5 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaidFreemium — better
Best chart rank#188 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.1 — better15.0
Further details — not scored
Size3 MB98 MB
Age rating4+4+
DeveloperCooplaHussain Mustafa

Customer experience

Debts

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

Debt Guide

All ratings49 ratings
Positive93.9%
Neutral4.1%
Negative2.0%
Written reviews13 reviews
Positive61.5%
Neutral30.8%
Negative7.7%

In-app purchases

None

Debts

No in-app purchases

4 purchases

Debt Guide

Subscriptions3
  • Premium Monthly$9.991 Month
  • Premium Yearly7 Days trial$39.991 Year
  • Premium Yearly$39.991 Year
One-time1
  • Premium Lifetime$79.99

Questions

Is Debts free?
Debts costs $2.99, with no in-app purchases.
Is Debt Guide free?
Debt Guide is free to download, with in-app purchases available.
Do Debts or Debt Guide have ads?
Neither Debts nor Debt Guide shows ads.
Which is updated more often, Debts or Debt Guide?
Debts ships an update every 5 months, and Debt Guide every 3 months. Most recently, Debts was updated on November 13, 2026 and Debt Guide on November 12, 2026.

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