# PaidOff vs Debt Tracker

The clearest difference is monetization model: PaidOff at ad-supported against Debt Tracker's freemium. Debt Tracker's advantage is iOS requirement (16.4 vs 26.0). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. PaidOff sells 2 in-app purchases, starting at $9.00 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.

On the App Store both sit at effectively the same score — 5.0 for PaidOff against 5.0 for Debt Tracker. Both are backed by a comparable volume of ratings — 8 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

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

## The numbers

| Metric | PaidOff | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (8 ratings)](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews) | [5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913/reviews) |
| Number of ratings | **8** | 4 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 3 days** |
| Monetization | **Ad-supported** | Freemium |
| Size | 38 MB | 105 MB |
| Requires iOS | 26.0 | **16.4** |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 17+ | 4+ |
| Developer | [Andrew Aquino](https://appshunter.io/developer/1546163712) | [Toffee Finance](https://appshunter.io/developer/1805257670) |

## What reviewers say

### 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 |


### 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 PaidOff free?

PaidOff 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, PaidOff or Debt Tracker?

PaidOff and Debt Tracker are both rated 5.0 out of 5 on the App Store, from 8 and 4 ratings respectively.

### Do PaidOff or Debt Tracker have ads?

Neither PaidOff nor Debt Tracker shows ads.

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

PaidOff ships an update every 5 days, and Debt Tracker every 3 days. Most recently, PaidOff 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.*