# AlmostZero vs Debt Tracker

The clearest difference is update cadence: Debt Tracker at every 3 days against AlmostZero's every 2 weeks. Debt Tracker also leads on rating (5.0 vs 4.7) and review sentiment (100% vs 86%). AlmostZero's advantage is ratings volume (78 vs 4). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. AlmostZero sells 10 in-app purchases, starting at $0.99 per month and Debt Tracker sells 7 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Debt Tracker holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: AlmostZero has 78 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 86% of AlmostZero's written reviews are positive against 100% of Debt Tracker's.

AlmostZero ships an update every 2 weeks, Debt Tracker every 3 days. The most recent releases landed on October 30, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | AlmostZero | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913/reviews)** |
| Number of ratings | **78** | 4 |
| Positive reviews | 85.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 3 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 224 MB | 105 MB |
| Requires iOS | 26.2 | **16.4** |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Toffee Finance](https://appshunter.io/developer/1805257670) |

## What reviewers say

### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $3.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913)

This app helps you create a clear plan to become debt-free. Track loans, credit cards, and BNPL balances, visualize your payoff date, and compare different debt reduction strategies. It offers payment reminders and progress tracking to keep you motivated.

**Highlights:** Debt payoff plan visualization, Debt snowball and avalanche comparison, Paycheck splitting for debt payments, Payment tracking and reminders, Progress and interest saved tracking, Motivation badges and streaks, Apple Watch and widget support

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support, iPhone Duo support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Toffee Pro Weekly | $1.99 | per 7 days |
| Toffee Pro - Monthly | $4.99 | per month |
| Toffee Pro Weekly - Upgrade | $5.99 | per 7 days |
| Toffee Pro - Monthly Upgrade | $7.99 | per month |
| Toffee Pro - Annual | $29.99 | per year |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Toffee Pro - Lifetime Access | $59.99 | one-time |


## Frequently asked questions

### Is AlmostZero free?

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

### Is Debt Tracker free?

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

### Which has better reviews, AlmostZero or Debt Tracker?

Debt Tracker is rated higher. AlmostZero averages 4.7 out of 5 from 78 ratings, while Debt Tracker averages 5.0 from 4 ratings.

### Do AlmostZero or Debt Tracker have ads?

Neither AlmostZero nor Debt Tracker shows ads.

### Which is updated more often, AlmostZero or Debt Tracker?

AlmostZero ships an update every 2 weeks, and Debt Tracker every 3 days. Most recently, AlmostZero was updated on October 30, 2026 and Debt Tracker on November 5, 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.*