# Debt Payoff Pro vs Debt Manager

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.

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.

## The numbers

| Metric | Debt Payoff Pro | Debt Manager |
| --- | --- | --- |
| Price | $0.99 | $0.99 |
| Rating | [3.0 (84 ratings)](https://appshunter.io/ios/app/debt-payoff-pro/id429095280/reviews) | **[4.6 (554 ratings)](https://appshunter.io/ios/app/debt-manager/id482482660/reviews)** |
| Number of ratings | 84 | **554** |
| Positive reviews | 44.0% of reviews | **85.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Paid | Paid |
| Best chart rank | #126 | **#93** |
| Size | 4 MB | 34 MB |
| Requires iOS | **8.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SVT Software](https://appshunter.io/developer/286029963) | [MH Riley Ltd](https://appshunter.io/developer/409695800) |

## What reviewers say

### Debt Payoff Pro

[App page](https://appshunter.io/ios/app/debt-payoff-pro/id429095280)

**Currently charting:** #126 Top Paid · Finance (US App Store)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


### Debt Manager

[App page](https://appshunter.io/ios/app/debt-manager/id482482660)

**Currently charting:** #93 Top Paid · Finance (US App Store)

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.

**Highlights:** Debt Snowball method, Multiple payoff strategies, Progress tracking and summary, Unlimited debt entry, 'What-If' scenario planning, Exportable reports and schedules, Interactive visualizations

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Helpful for tracking and paying off debt
- 💡 Useful features like snowball and snowflake payments
- 🔒 No subscription required
- 👍 Customizable and flexible

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- Calendar and date issues causing problems
- Minimum payment restrictions that don't work as expected
- Debt balances not updating correctly after payments

**Requested features**

- Ability to add debt start dates
- Monthly payment summary view
- Profiles to manage multiple people's debt
- More customization options for layout and visuals


## Frequently asked questions

### Is Debt Payoff Pro free?

Debt Payoff Pro costs $0.99, with no in-app purchases.

### Is Debt Manager free?

Debt Manager costs $0.99, with no in-app purchases.

### Which has better reviews, Debt Payoff Pro or Debt Manager?

Debt Manager is rated higher. Debt Payoff Pro averages 3.0 out of 5 from 84 ratings, while Debt Manager averages 4.6 from 554 ratings.

### Do Debt Payoff Pro or Debt Manager have ads?

Neither Debt Payoff Pro nor Debt Manager shows ads.

### Which is updated more often, Debt Payoff Pro or Debt Manager?

Debt Payoff Pro ships an update monthly, and Debt Manager every 6 weeks. Most recently, Debt Payoff Pro was updated on September 29, 2026 and Debt Manager on September 28, 2026.

### Which is more popular, Debt Payoff Pro or Debt Manager?

Debt Payoff Pro currently peaks at #126 in the App Store charts, and Debt Manager at #93. Chart position reflects recent download velocity rather than total install base.

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