# Debt Tracker Master vs PaidOff

The clearest difference is review sentiment: PaidOff at 100% against Debt Tracker Master's 0%. PaidOff also leads on rating (5.0 vs 3.7) and ads (none vs shown). Debt Tracker Master's advantage is iOS requirement (16.6 vs 26.0). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Both are free to download. Debt Tracker Master sells 4 in-app purchases, starting at $3.99 per month and PaidOff sells 2 in-app purchases, starting at $9.00 per month. Whichever you choose, the download price is not the number that matters.

PaidOff holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 8 respectively. Written reviews point the same way: 0% of Debt Tracker Master's written reviews are positive against 100% of PaidOff's.

Debt Tracker Master ships an update every 3 days, PaidOff every 5 days. The most recent releases landed on October 22, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Debt Tracker Master | PaidOff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/debt-tracker-master/id6473278027/reviews) | **[5.0 (8 ratings)](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews)** |
| Number of ratings | 3 | **8** |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 days** | Every 5 days |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 50 MB | 38 MB |
| Requires iOS | **16.6** | 26.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [娜 杨](https://appshunter.io/developer/1700983284) | [Andrew Aquino](https://appshunter.io/developer/1546163712) |

## What reviewers say

### Debt Tracker Master

[App page](https://appshunter.io/ios/app/debt-tracker-master/id6473278027)

This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.

**Highlights:** Debt recording and organization, Repayment progress tracking, Payment planning outlook, Customizable payment reminders, Personal finance learning resources, Debt reduction reports

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtTracker Pro Monthly | $3.99 | per month |
| DebtTracker Pro Yearly | $17.99 | per year |
| Remove Ads | $3.99 | one-time |
| DebtTracker Pro Lifetime | $39.99 | one-time |


### PaidOff

[App page](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566)

Manage all your debts in one place with detailed insights into your payoff journey. Customize amortization schedules and APRs to visualize your progress towards financial freedom and save money.

**Highlights:** Account Management, Complete Debt Profile, Full Customization, Progress Tracking, Visual UI

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PaidOff Plus Monthly | $9.00 | per month |
| PaidOff Plus Yearly | $72.00 | per year |


## Frequently asked questions

### Is Debt Tracker Master free?

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

### Is PaidOff free?

PaidOff is free to download, with in-app purchases available.

### Which has better reviews, Debt Tracker Master or PaidOff?

PaidOff is rated higher. Debt Tracker Master averages 3.7 out of 5 from 3 ratings, while PaidOff averages 5.0 from 8 ratings.

### Do Debt Tracker Master or PaidOff have ads?

Debt Tracker Master shows ads; PaidOff does not.

### Which is updated more often, Debt Tracker Master or PaidOff?

Debt Tracker Master ships an update every 3 days, and PaidOff every 5 days. Most recently, Debt Tracker Master was updated on October 22, 2026 and PaidOff on October 15, 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.*