# My Debt Manager & Tracker vs Debt Payoff Tracker

The clearest difference is ads: Debt Payoff Tracker at none against My Debt Manager & Tracker's shown. My Debt Manager & Tracker's advantage is update cadence (every 3 weeks vs every 3 months) and device support (3 vs 1). On price and in-app purchases there is nothing between them.

Both are free to download. My Debt Manager & Tracker sells 4 one-off in-app purchases and Debt Payoff Tracker sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

My Debt Manager & Tracker ships an update every 3 weeks, Debt Payoff Tracker every 3 months. The most recent releases landed on September 7, 2026 and September 8, 2026 respectively.

## The numbers

| Metric | My Debt Manager & Tracker | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (7 ratings)](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | — |
| Size | 128 MB | 4 MB |
| Requires iOS | **15.6** | 18 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [GHAZALI KABIRU](https://appshunter.io/developer/1656605038) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## What reviewers say

### My Debt Manager & Tracker

[App page](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466)

Easily track and manage all your debts and loans in one place. This app simplifies due dates, payments, and balances with intuitive color coding and automatic data backup. It supports multiple currencies, recurring payments, and offers AI-driven insights to help reduce debt stress.

**Highlights:** Track debts and loans, Recurring payment management, AI debt stress reduction, Multi-currency support, Automatic data backup, Payment proof uploads, Reminder notifications

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 month subscription | $0.99 | one-time |
| 3 months subscription | $2.99 | one-time |
| 1 year subscription | $4.99 | one-time |
| 6 months subscription | $5.99 | one-time |


### Debt Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is My Debt Manager & Tracker free?

My Debt Manager & Tracker is free to download, with in-app purchases available.

### Is Debt Payoff Tracker free?

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

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

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

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

My Debt Manager & Tracker ships an update every 3 weeks, and Debt Payoff Tracker every 3 months. Most recently, My Debt Manager & Tracker was updated on September 7, 2026 and Debt Payoff Tracker on September 8, 2026.

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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.*