Debt Payoff Pro vs Debt Manager
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Payoff Pro
This app helps you pay off debts faster using proven financial strategies like the debt snowball method. Track multiple debts, visualize progress with charts, and receive payment reminders. Includes bonus calculators for loans and mortgages.
- Debt snowball payoff method
- Multiple debt tracking
- Various payoff strategies
- Payment schedule and tracking
- Progress charts and reports
- Payment due date notifications
- Bonus financial calculators
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*** ON SALE 50% OFF FOR A LIMITED TIME *** Featured by Apple in "What's Hot" list Debt Payoff Pro will help you to payoff all your debts using the popular Debt-snowball method. The debt-snowball method is the primary debt management technique taught and recommended by many financial experts. Using this approach, you would pay the minimum payments on all your debts until your first debt is payoff. Then you would use the extra payment from the paid off debt and apply it to the next debt. The amount of extra payment will grow as more debts are payoff which results in a "snowball" affect that will help you to payoff subsequent debts faster and increasing your confidence in the process. * Bonus Calculator Apps Included - Payoff Date Calculator - Mortgage Calculator - Loan Calculator FEATURES * Universal Binary - Designed for iPhone, iPod Touch, and iPad devices. No need to buy separate apps for each device. * Multiple Debts Tracking - Track unlimited number of debts. * Multiple Payoff Strategies - Lowest Balance First - Highest Balance First - Highest Interest First - Custom Ordering * Debt Payment Tracking - Tracking your debt payment is as simple as highlighting the payment from the payment schedule. * Extra Payment Support - Make extra principal payments to pay off your debts faster. * Charts and Reports - See your total debts, debts remaining, total interest paid, total interest saving, debt payoff date, and debt payoff time savings via charts and reports. * Percent Paid Progress Bars - Progress bar for each debt helps motivate you toward paying off your debts. * Payment Due Date Notification - Reminds you when payments are due. You can also set the time of day that you want to be notified. * Amortization Table - A complete payment schedule allows you to view the interest, principal, and remaining balance for each and every payment of the loan. * Dynamic Custom Ordering of Debts - With the custom ordering strategy, you can dynamically change the order of debts payoff from the main screen and instantly see how it affects the total debt plus interest amount and the debt payoff date. * Payoff Date Calculator - Use the built-in calculator to see the how the monthly payment amount will affect the payoff date and total interest paid. * Passcode Security - Passcode protection to keep financial information private. * Export Capability - Export your payment list and amortization schedule in HTML format via email. * Large Number Keypad - Enter numeric amounts easier and faster with a large standard keypad. * Customization Settings and Icons - Configurable settings and beautiful debt icons to customize the application based on your preferences. * Debt Delete Lock - Prevents accidental deletion of debts and debt payment tracking. * Backup / Restore - Backup your data to your computer for safekeeping. Then restore it to your iOS device when you need to via the iTunes file sharing interface. * International Currency Supports - Currency support is based on the region setting of your device. * Clean, Intuitive User Interface * FREE Debt Payoff Lite Version - Not convinced if Debt Payoff Pro is right for you? Please download the free Debt Payoff Lite version and see for yourself.
Debt Manager
This app helps users pay off their debts faster and more efficiently. It utilizes the Debt Snowball method and offers various strategies, tracking tools, and 'what-if' scenarios to visualize progress and savings.
- Debt Snowball method
- Multiple payoff strategies
- Progress tracking and summary
- Unlimited debt entry
- 'What-If' scenario planning
- Exportable reports and schedules
- Interactive visualizations
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*** No. 1 Ranked Finance App in the US & UK *** 'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST! 5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job" 5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!" 5-Stars - "This app is three things: Simple. Effective. Spot On." 5-Stars - "The details, features and thought that went into creating this app are endless." 5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across." Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts. You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now! *** Features *** -------------------- √ Simple and intuitive user interface - helps you see results quickly and clearly √ Hints and tips - don't worry, we will guide you through the process √ Summary shows your payoff progress - includes progress bar, your debt free date and your interest/time savings √ Choose from multiple pay off Strategies - Lowest Balance First - Highest Interest First - Highest Balance First - Custom Order √ An unlimited number of debts can be entered - each debt can be individually analysed - payments may be entered as a percentage of balance - support for introductory rates e.g. 0% for 6 months √ Monthly Payments may be recorded - either automatic or manual recording - allows you to keep track of your progress √ Backup & Restore - use popular Dropbox service for online storage - keep your data safe - manually sync between devices √ Choice of payment periods - handles monthly, weekly and fortnightly payments √ Extra Payments can be entered against each debt - helps pay off your debts even faster - can be entered Monthly, Yearly or as a One Off √ Transactions can be entered against each debt - allows you to take into account expenses/purchases - can be entered Monthly, Yearly or as a One Off - will increase the debt balance √ Try out various 'What-If' scenarios e.g. - a change in interest rate - increased monthly payments √ Export the debt details via Email - professionally formatted PDF or HTML - export individual debts or overall summary - includes full amortization schedules - charts are attached to the email export √ Interactive reports - easy visualisation of the debt breakdown - compare debts side by side - press, hold and slide to see the costs per month - pinch to zoom √ Set of Calculators are included to help you compute: - monthly payments - extra payments - payoff date - refinance benefits √ Notification of payments due - so you never forget to record a payment √ Passcode protection - keep your data safe √ Full manual is embedded within the app - has all the info you will ever need
Screenshots
Verdict
The clearest difference is rating: Debt Manager at 4.6 against Debt Payoff Pro's 3.0. Debt Manager also leads on review sentiment (85% vs 44%) and ratings volume (554 vs 84). Debt Payoff Pro's advantage is iOS requirement (8.0 vs 15.5). On price, update cadence, ads and in-app purchases 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
Debt Payoff Pro costs $0.99 and Debt Manager $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.
Debt Manager holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: Debt Manager has 554 ratings behind it against 84, so its average is the more settled of the two. Written reviews point the same way: 44% of Debt Payoff Pro's written reviews are positive against 85% of Debt Manager's.
Debt Payoff Pro ships an update monthly, Debt Manager every 6 weeks. The most recent releases landed on September 29, 2026 and September 28, 2026 respectively.
| Parameter | Debt Payoff Pro | Debt Manager |
|---|---|---|
| Price | $0.99 | $0.99 |
| Rating | 3.0 (84 ratings) | 4.6 (554 ratings) — better |
| Positive reviews | 44.0% of reviews | 85.5% of reviews — better |
| Number of ratings | 84 | 554 — better |
| Update frequency | Monthly — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Paid |
| Best chart rank | #115 | #81 — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 8.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 4 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | SVT Software | MH Riley Ltd |
Customer experience
Debt Payoff Pro
Debt Manager
User reviews
Debt Payoff Pro
From 84 App Store ratingsWhat we love
- 👍 Easy-to-use interface and simple layout
- 📊 Helpful visualization with pie charts and progress tracking
- 💰 Affordable price point ($0.99)
- 🎯 Effective debt snowball method implementation
- 📱 Works across iPhone and iPad devices
Room to improve
- 🐛 Date system frequently incorrect or stuck in past years
- ❌ Cannot edit existing debts without deleting and re-entering
- ❌ No flexibility for changing debt amounts or interest rates
- ❌ Limited payment frequency options (monthly only)
- ❌ Paid version offers minimal difference from free version
Debt Manager
From 554 App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Helpful for tracking and paying off debt
- 💡 Useful features like snowball and snowflake payments
- 🔒 No subscription required
- 👍 Customizable and flexible
Room to improve
- 🐛 Issues with updating balances and interest rates
- 🐛 Backdating changes can cause problems
- 🐛 Difficulty adding new debts or changing payment details
- 🐛 Lack of syncing between devices
Bugs and requests
Debt Payoff Pro
Reported bugs
12 issues- Dates default to incorrect years (2016, 2018, 2023) instead of current year
- Cannot change or reset payment dates after initial entry
- Date system stuck in past years with no way to update
- App freezes and becomes unresponsive
- iPad version doesn't rotate properly, cutting off information
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- Incompatible with iOS 7 and newer updates
- Interest calculations are inaccurate
- Payment history resets when making any changes to plan
- Edit button on debt payment screen non-functional
- New debts are backdated to original entry date
- Pie chart labels cut off on reports screen
- Snowball method doesn't automatically apply payments to next debt
Requested features
20 requests- Bi-weekly, weekly, and fortnightly payment options
- Ability to edit debts without deleting and starting over
- Support for extra/one-time payments with impact visualization
- Ability to change payment dates and amounts flexibly
- Multiple debt payoff plans simultaneously
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- Cloud sync across devices (iCloud, Dropbox)
- Income tracking and integration
- Ability to add new debts with custom start dates
- Print functionality
- Payment reminders and congratulation notifications
- Support for different currencies
- Ability to track revolving credit account changes
- Semi-monthly and accelerated payment options
- Interest-free period tracking for credit cards
- Escrow accounting for mortgages
- Notes field for debt tracking
- Introductory rate and date range tracking
- Ability to reorder debts by amount
- Summary page showing monthly obligations
- Debt grouping by category (student loans vs credit cards)
Debt Manager
Reported bugs
3 issues- Calendar and date issues causing problems
- Minimum payment restrictions that don't work as expected
- Debt balances not updating correctly after payments
Requested features
4 requests- Ability to add debt start dates
- Monthly payment summary view
- Profiles to manage multiple people's debt
- More customization options for layout and visuals
In-app purchases
Debt Payoff Pro
No in-app purchases
Debt Manager
No in-app purchases
Questions
Is Debt Payoff Pro free?
Is Debt Manager free?
Which has better reviews, Debt Payoff Pro or Debt Manager?
Do Debt Payoff Pro or Debt Manager have ads?
Which is updated more often, Debt Payoff Pro or Debt Manager?
Which is more popular, Debt Payoff Pro or Debt Manager?
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