# Debt Manager vs Debt Payoff Planner & Tracker

The clearest difference is price: Debt Payoff Planner & Tracker at Free against Debt Manager's $0.99. Debt Payoff Planner & Tracker also leads on ratings volume (7.3K vs 554) and iOS requirement (13.0 vs 15.5). Debt Manager's advantage is in-app purchases (none vs 5) and ads (none vs shown). On rating, update cadence, chart position and device support there is nothing between them.

Debt Payoff Planner & Tracker is free to download; Debt Manager costs $0.99 up front. Debt Payoff Planner & Tracker sells 5 in-app purchases, starting at $6.99 per month. Debt Manager asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.6 for Debt Manager against 4.7 for Debt Payoff Planner & Tracker. That said, the two scores are not equally well evidenced: Debt Payoff Planner & Tracker has 7.3K ratings behind it against 554, so its average is the more settled of the two. Written reviews are what separate them: 85% of Debt Manager's written reviews are positive against 63% of Debt Payoff Planner & Tracker's.

Debt Manager ships an update every 6 weeks, Debt Payoff Planner & Tracker every 2 months. The most recent releases landed on September 22, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | Debt Manager | Debt Payoff Planner & Tracker |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | [4.6 (554 ratings)](https://appshunter.io/ios/app/debt-manager/id482482660/reviews) | **[4.7 (7.3K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** |
| Number of ratings | 554 | **7.3K** |
| Positive reviews | **85.5% of reviews** | 62.9% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | #127 | **#71** |
| Size | 34 MB | 8 MB |
| Requires iOS | 15.5 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) |

## What reviewers say

### Debt Manager

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

**Currently charting:** #127 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


### Debt Payoff Planner & Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715)

**Currently charting:** #71 Top Grossing · Finance (US App Store)

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

**Highlights:** Customized debt repayment schedule, Debt Snowball payoff strategy, Debt Avalanche payoff strategy, Debt Snowflake payoff strategy, Track loan payments, Budget additional payments, View payoff scenarios

**Features:** Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Subscription | $6.99 | per month |
| Friends and Family 1 Month | $10.49 | per month |
| 3 Month Subscription | $13.99 | per 3 months |
| 12 Month Subscription | $27.99 | per year |
| Friends and Family 12 Months | $41.99 | per year |

**What reviewers like**

- 💯 Excellent debt tracking and planning
- 🔍 Detailed debt breakdown and payoff timeline
- 🎯 Helps stay motivated and on track
- 👍 Simple and easy to use interface
- 🤑 Affordable premium subscription

**What reviewers complain about**

- 🐛 Occasional app crashes and stability issues
- 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
- 💰 Frustration with premium-only features
- 🔢 Difficulty making changes to existing debt entries
- 💸 Concerns about recurring subscription costs

**Reported bugs**

- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates

**Requested features**

- Add ability to track recurring income and expenses
- Implement biweekly or weekly payment options
- Improve flexibility for editing debt details
- Provide option to export data and reports
- Add support for multiple currencies


## Frequently asked questions

### Is Debt Manager free?

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

### Is Debt Payoff Planner & Tracker free?

Debt Payoff Planner & Tracker is free to download, with in-app purchases available.

### Which has better reviews, Debt Manager or Debt Payoff Planner & Tracker?

Debt Payoff Planner & Tracker is rated higher. Debt Manager averages 4.6 out of 5 from 554 ratings, while Debt Payoff Planner & Tracker averages 4.7 from 7.3K ratings.

### Do Debt Manager or Debt Payoff Planner & Tracker have ads?

Debt Payoff Planner & Tracker shows ads; Debt Manager does not.

### Which is updated more often, Debt Manager or Debt Payoff Planner & Tracker?

Debt Manager ships an update every 6 weeks, and Debt Payoff Planner & Tracker every 2 months. Most recently, Debt Manager was updated on September 22, 2026 and Debt Payoff Planner & Tracker on September 25, 2026.

### Which is more popular, Debt Manager or Debt Payoff Planner & Tracker?

Debt Manager currently peaks at #127 in the App Store charts, and Debt Payoff Planner & Tracker at #71. 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.*