# PayAway vs Debt Payoff Planner

The clearest difference is review sentiment: PayAway at 82% against Debt Payoff Planner's 0%. PayAway also leads on update cadence (every 4 days vs fortnightly) and ratings volume (14 vs 1). Debt Payoff Planner's advantage is rating (5.0 vs 4.1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. PayAway sells 4 in-app purchases, starting at $2.49 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.

Debt Payoff Planner holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: PayAway has 14 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 82% of PayAway's written reviews are positive against 0% of Debt Payoff Planner's, so the app with the better star average is not the one people write more warmly about.

PayAway ships an update every 4 days, Debt Payoff Planner fortnightly. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | PayAway | Debt Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (14 ratings)](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews)** |
| Number of ratings | **14** | 1 |
| Positive reviews | **81.8% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Fortnightly |
| Monetization | Freemium | Freemium |
| Size | 21 MB | 32 MB |
| Requires iOS | **15.0** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Jack Maloney](https://appshunter.io/developer/1791666910) | [Linas Nutautas](https://appshunter.io/developer/1738774097) |

## What reviewers say

### PayAway

[App page](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874)

This app helps you pay off debt faster and improve your credit score simultaneously. It offers personalized payoff plans, tracks all your debts, and uses a unique method to boost credit utilization while you eliminate balances.

**Highlights:** All-in-one debt tracker, Personalized payoff plans (Snowball, Avalanche, Custom), Smart debt payoff calculator, Exclusive credit utilization method, Budgeting and extra payment tracking, Progress tracking and alerts, Secure and private data storage

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayAway+ | $2.49 | per month |
| PayAway+ - Yearly | $24.99 | per year |
| Remove Ads | $1.99 | one-time |
| PayAway+ Lifetime Subscription | $49.99 | one-time |


### 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 PayAway free?

PayAway 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, PayAway or Debt Payoff Planner?

Debt Payoff Planner is rated higher. PayAway averages 4.1 out of 5 from 14 ratings, while Debt Payoff Planner averages 5.0 from 1 ratings.

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

Neither PayAway nor Debt Payoff Planner shows ads.

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

PayAway ships an update every 4 days, and Debt Payoff Planner fortnightly. Most recently, PayAway was updated on November 4, 2026 and Debt Payoff Planner 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.*