# PaidOff vs Debt Payoff Planner

PaidOff and Debt Payoff Planner both sit at 5.0 stars, but that hides the real split: 100% of PaidOff's written reviews are positive against 0% of Debt Payoff Planner's. PaidOff also leads on update cadence (every 5 days vs fortnightly) and monetization model (ad-supported vs freemium). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. PaidOff sells 2 in-app purchases, starting at $9.00 per month and Debt Payoff Planner sells 2 in-app purchases, starting at $4.99 per month. 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 Payoff Planner. That said, the two scores are not equally well evidenced: PaidOff has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 100% of PaidOff's written reviews are positive against 0% of Debt Payoff Planner's.

PaidOff ships an update every 5 days, Debt Payoff Planner fortnightly. Both last shipped on October 30, 2026.

## The numbers

| Metric | PaidOff | Debt Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (8 ratings)](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews) |
| Number of ratings | **8** | 1 |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Fortnightly |
| Monetization | **Ad-supported** | Freemium |
| Size | 38 MB | 32 MB |
| Requires iOS | 26.0 | 26.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Andrew Aquino](https://appshunter.io/developer/1546163712) | [Linas Nutautas](https://appshunter.io/developer/1738774097) |

## 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 Payoff Planner

[App page](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524)

Create a personalized plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

**Highlights:** Personalized debt payoff plans, Track loans, credit cards, and mortgages, Compare Snowball, Avalanche, and Cash Flow strategies, Log payments and track progress, Debt-free date countdown, Payment reminders and overdue alerts, Works offline

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Tracker Premium | $4.99 | per month |
| Debt Tracker Premium | $29.99 | per year |


## Frequently asked questions

### Is PaidOff free?

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

### Is Debt Payoff Planner free?

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

### Which has better reviews, PaidOff or Debt Payoff Planner?

PaidOff and Debt Payoff Planner are both rated 5.0 out of 5 on the App Store, from 8 and 1 ratings respectively.

### Do PaidOff or Debt Payoff Planner have ads?

Neither PaidOff nor Debt Payoff Planner shows ads.

### Which is updated more often, PaidOff or Debt Payoff Planner?

PaidOff ships an update every 5 days, and Debt Payoff Planner fortnightly. Most recently, PaidOff was updated on October 30, 2026 and Debt Payoff Planner on October 30, 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.*