# Debts vs Debt Guide

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.

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.

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.

## The numbers

| Metric | Debts | Debt Guide |
| --- | --- | --- |
| Price | $2.99 | **Free** |
| Rating | — | **[4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** |
| Number of ratings | — | **50** |
| Positive reviews | **66.7% of reviews** | 61.5% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 months** |
| Monetization | Paid | **Freemium** |
| Best chart rank | **#188** | — |
| Size | 3 MB | 98 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) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## What reviewers say

### Debts

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

**Currently charting:** #188 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 Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*