Comparison

Debt Payoff Planner vs DebtPilot

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

DebtPilot

Features
Read full description

DebtPilot is the simplest way to make a plan and pay off your debt for good. Add what you owe — or just scan a bill or statement — choose a strategy, and DebtPilot shows you exactly what to pay each month, when you'll be debt-free, and how much interest you'll save. No jargon, no spreadsheets — just a clear plan you can follow, with progress and rewards that keep you going. WHAT YOU GET FREE • Scan a bill or import a PDF — snap a photo or pick a statement and we fill in the balance, rate, and payment for you. Processed on your device; nothing is uploaded. • Two proven strategies — Snowball (knock out your smallest balance for quick wins) or Avalanche (target your highest rate to save the most). Or set your own custom order. • Your debt-free date — see the exact month you'll be free, with a progress ring and a live countdown on your Lock Screen and Dynamic Island (Live Activity). • "This month" plan — know exactly what to pay on each debt, and log payments with one tap, by amount, or with Siri ("Hey Siri, log my DebtPilot payment"). • Quick extra payments — drop a one-time "snowflake" payment on any debt and watch your date move closer. • Due-date calendar & reminders — see everything due this month at a glance. • Loan & amortization calculator — see where every payment goes, including mortgage escrow, principal vs. interest, and lifetime interest. • Month in Review — a monthly recap of what you paid down and how far you've come. • Achievements, badges & streaks — stay motivated and share your progress. • Home & Lock Screen widgets, color themes, an interactive tutorial, and a Learn section in plain English. • iCloud sync — your plan follows you to a new phone, automatically. • Private by design — everything stays on your device. No account, no tracking, nothing collected. DEBTPILOT PREMIUM (optional) Go faster with the full toolkit: • Rate Negotiator — see what a lower interest rate could save you, with a word-for-word script to ask your lender for one. • Planning tools — simulate extra payments and a one-time lump sum, and set a target payoff date. • Budget simulator — enter your income and expenses to find the best amount of leftover money to put toward debt, while keeping a safety cushion. • Interest-saved breakdown — charts showing exactly how your plan beats paying minimums. • Refinance / rate "what-if" — see if a lower rate or balance transfer is worth it. • Payoff projection charts and per-debt month-by-month schedules. • Export & print your plan as a PDF, or to a spreadsheet (CSV), and track unlimited debts (free covers 3). DebtPilot is an educational planning tool to help you organize and pay down debt. Figures are estimates and it is not financial advice. Start your plan today — your debt-free date is closer than you think. — — — DebtPilot is free to download and use. DebtPilot Premium is an optional subscription: • Monthly — $4.99 • Yearly — $29.99 Payment is charged to your Apple Account at purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the period; manage or cancel anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://aganfinancial.com/privacy

Screenshots

Debt Payoff Planner4 screens
DebtPilot4 screens

Verdict

The call

Debt Payoff Planner and DebtPilot are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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 and DebtPilot sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Debt Payoff Planner ships an update weekly, DebtPilot every 6 days. The most recent releases landed on November 12, 2026 and November 13, 2026 respectively.

ScorecardNo meaningful differences
Debt Payoff Planner versus DebtPilot: the parameters behind the verdict, then further details
ParameterDebt Payoff PlannerDebtPilot
PriceFreeFree
Rating4.0 (21 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings21 — better—
Update frequencyWeeklyEvery 6 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone
Requires iOS18.017.0 — better
Further details — not scored
Size53 MB4 MB
Age rating4+4+
DeveloperMihail KuznecovsAgan Financials Limited Liability Co

In-app purchases

7 purchases

Debt Payoff Planner

Subscriptions4
  • Monthly2 variants$3.991 Month
  • Annual7 Days trial$4.991 Year
  • Annual7 Days trial$11.991 Year
Show 1 more
  • Weekly$11.997 Days
One-time3
  • Lifetime$9.99
  • Winback Lifetime$9.99
  • Lifetime$19.99
2 purchases

DebtPilot

Subscriptions2
  • DebtPilot Premium (Monthly)$4.991 Month
  • DebtPilot Premium (Yearly)$29.991 Year

Questions

Is Debt Payoff Planner free?
Debt Payoff Planner is free to download, with in-app purchases available.
Is DebtPilot free?
DebtPilot is free to download, with in-app purchases available.
Do Debt Payoff Planner or DebtPilot have ads?
Neither Debt Payoff Planner nor DebtPilot shows ads.
Which is updated more often, Debt Payoff Planner or DebtPilot?
Debt Payoff Planner ships an update weekly, and DebtPilot every 6 days. Most recently, Debt Payoff Planner was updated on November 12, 2026 and DebtPilot on November 13, 2026.

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