Comparison

Debt Payoff Planner vs Make Real Progress

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Payoff Planner

Easily manage all your loans in one place to become debt-free faster. Visualize interest savings and track progress with smart payment strategies. Build healthy financial habits and stop overpaying interest.

Highlights
  • Track all loans in one place
  • Visualize interest and time savings
  • Smart payment strategies (snowball method)
  • Clear progress tracking
  • Simple payment scheduling
  • Reduce overpaid interest
Features
Read full description

Pay Off Debt Faster & Save More! Take control of your loans and become debt-free sooner with an easy, visual way to manage your payments. Track all your debts in one place, from credit cards to mortgages, and see exactly how much interest and time you can save by making extra payments. With clear progress tracking, smart payment strategies like the snowball method, and simple scheduling, you’ll turn loan payments into easy habits. Watch your debt shrink, stay motivated, and stop overpaying interest. Start saving money and take charge of your financial future today! Download now and see how fast you can pay off your debt! 

EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Make Real Progress

Features
Read full description

Paying isn't the same as progressing. Make Real Progress is the judgment-free debt tracker designed to help you see the big picture, stay motivated, and finally build your financial freedom. Whether you're tackling credit cards, student loans, medical bills, or personal loans, we help you turn overwhelming numbers into a clear, achievable payoff plan one payment at a time. Unlike other finance apps that focus on strict budgeting and making you feel guilty about your spending, Make Real Progress is built on a simple philosophy: consistency and awareness are your superpowers. We celebrate every payment, track every milestone, and help you reflect on your journey year after year. Because progress, not perfection is what gets you free. SEE THE BIG PICTURE Connect all your debts in one place. Instantly see your total balance, your overall progress percentage, and exactly how much you've paid off since day one. No more logging into five different accounts just to know where you stand. With Make Real Progress, your entire debt picture is always one tap away. TRACK EVERY STEP Log your payments and watch your debt go down in real time. Our beautiful payoff chart shows your journey over time, proving that your hard work is paying off. SMART PAYOFF STRATEGIES Choose the strategy that works for you. Use the Snowball method (lowest balance first) for quick psychological wins, or the Avalanche method (highest interest first) to save the most money. We'll show you exactly which debt to target next to maximize your momentum. GAIN POWERFUL INSIGHTS Understand your progress and make smarter moves. Your proprietary Real Progress Score breaks down your debt health into actionable metrics: Principal Paid, Utilization, Consistency, Elimination, and Momentum. REFLECT AND STAY MOTIVATED Look back on your journey and celebrate your progress year after year. Our unique Reflections feature acts as a journal for your debt-free journey. Write personal notes about your wins and struggles, and see exactly how much you've achieved each year. Your own story will remind you why you started. BUILT FOR REAL PEOPLE Make Real Progress was designed for people who are tired of feeling overwhelmed, judged, or confused by their finances. There are no lectures here. No shame. Just a clean, beautiful, honest tool that meets you where you are and helps you move forward. Features include: - Clean, intuitive dashboard showing all your debts at a glance - Payment logging with running balance tracking - Snowball and Avalanche payoff strategy recommendations - Real Progress Score with detailed breakdown - Personal Reflections journal with year-by-year summaries - Beautiful payoff progress charts - Free to use — no subscriptions, no paywalls - Your data stays private — we never ask for bank login credentials WHO IS THIS FOR? If you have debt and you want a clear, motivating, and judgment-free way to track your progress toward paying it off, this app is for you. It's the perfect companion to the Make Real Progress book by Wanda Gaines, but it works beautifully as a completely standalone tool. You don't need to be a financial expert. You don't need a perfect budget. You just need to start and Make Real Progress will help you see every step forward. Your journey to debt freedom starts here. Download Make Real Progress today.

Screenshots

Debt Payoff Planner4 screens
Make Real Progress4 screens

Verdict

The call

The clearest difference is in-app purchases: Make Real Progress at none against Debt Payoff Planner's 8. Make Real Progress also leads on iOS requirement (15.1 vs 18.0). On price, update cadence, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Payoff Planner sells 7 in-app purchases, starting at $3.99 per month. Make Real Progress asks for nothing beyond the download.

UpkeepUpdate frequency

Debt Payoff Planner ships an update weekly, Make Real Progress fortnightly. The most recent releases landed on September 23, 2026 and September 17, 2026 respectively.

Scorecard2 real differences · 8 level
Debt Payoff Planner versus Make Real Progress: the parameters behind the verdict, then further details
ParameterDebt Payoff PlannerMake Real Progress
PriceFreeFree
Rating4.1 (22 ratings) — better
Positive reviews50.0% of reviews
Number of ratings22 — better
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases
DevicesiPhoneiPhone, iPod — better
Requires iOS18.015.1 — better
Further details — not scored
Size53 MB66 MB
Age rating4+4+
DeveloperMihail KuznecovsAlynsia Incorporated

In-app purchases

7 purchases

Debt Payoff Planner

Subscriptions4
  • Monthly2 variants$3.991 Month
  • Annual7 Days trial$11.991 Year
  • Weekly$11.997 Days
Show 1 more
  • Annual7 Days trial$19.991 Year
One-time3
  • Winback Lifetime$9.99
  • Lifetime$19.99
  • Lifetime$39.99
None

Make Real Progress

No in-app purchases

Questions

Is Debt Payoff Planner free?
Debt Payoff Planner is free to download, with in-app purchases available.
Is Make Real Progress free?
Make Real Progress is free to download, with no in-app purchases.
Do Debt Payoff Planner or Make Real Progress have ads?
Neither Debt Payoff Planner nor Make Real Progress shows ads.
Which is updated more often, Debt Payoff Planner or Make Real Progress?
Debt Payoff Planner ships an update weekly, and Make Real Progress fortnightly. Most recently, Debt Payoff Planner was updated on September 23, 2026 and Make Real Progress on September 17, 2026.

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