Debt Guide vs Debt Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Guide
Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.
- Personalized debt repayment plans
- Snowball and Avalanche payoff methods
- Track multiple loans and credit cards
- Payment reminders and alerts
- Interactive progress charts and graphs
- Ad-free experience
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Take Control of Your Finances with Debt Guide – The Ultimate Debt Payoff Planner & Tracker Are you struggling with multiple debts and looking for a way to become debt-free faster? Debt Guide is your all-in-one solution to manage, track, and pay off debts efficiently. Whether it’s credit cards, student loans, car loans, or personal loans, Debt Guide helps you create a customized debt repayment plan using proven payoff strategies like the Snowball and Avalanche methods. Debt can feel overwhelming, but with the right plan and tools, financial freedom is within your reach. Debt Guide simplifies debt management by providing easy-to-use features, insightful analytics, and structured repayment strategies tailored to your financial situation. With its intuitive interface, you can track progress, visualize payments, and stay motivated on your journey to becoming debt-free. Key Features: Debt Payoff Planner: Create a personalized repayment plan that suits your financial situation. Choose from Debt Snowball (smallest balance first) or Debt Avalanche (highest interest first) methods to pay off debts efficiently. Track Multiple Debts: Manage all your loans, credit cards, and other debts in one place. Add details like balances, interest rates, and due dates for a clear financial overview. Payment Reminders: Never miss a due date! Get timely alerts so you can avoid late fees and keep your credit score healthy. Smart Payment Insights: Understand how much interest you’re paying and identify ways to save money with smarter repayment decisions. Customizable Payment Plans: Adjust your monthly payments to see how different strategies impact your debt-free timeline. Experiment with extra payments and see how much faster you can eliminate your debt. Interactive Charts & Graphs: Visualize your progress with insightful graphs that show your total debt reduction over time. Stay motivated as you see your debt shrinking! Debt Payoff Calculator: Use the built-in calculator to determine how long it will take to become debt-free based on your current payments. Ad-Free Experience: Enjoy a seamless, distraction-free app experience with no annoying ads. How Debt Guide Helps You Achieve Financial Freedom Step 1: Add Your DebtsInput details for each debt, including balance, interest rate, and minimum payment. Step 2: Choose a Payoff StrategySelect the Snowball or Avalanche method based on your preference. Step 3: Track Your ProgressMonitor your repayment journey with detailed charts and reports. Step 4: Stay Consistent with RemindersReceive payment alerts to avoid missed deadlines and late fees. Step 5: Adjust Your Plan as NeededExperiment with different payment amounts to optimize your debt payoff timeline. Don’t let debt control your life. Download Debt Guide now and take the first step towards financial freedom. With our powerful tools and simple interface, you’ll be on the fast track to eliminating debt and achieving peace of mind. Privacy Policy: https://hussainmustafa.com/privacy-policy-debt-guide/ Support: https://hussainmustafa.com/debt-guide-support/ Terms Of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Debt Tracker
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.
- 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
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Pay off debt with a plan you can actually follow. Toffee turns your credit cards, student loans, car loans and buy now, pay later balances into one clear payoff plan, with the exact month you'll be debt free. YOUR DEBT FREE DATE • See the month and year your last payment lands • Watch it move closer every time you log a payment • Try "what if I paid more?" and see the months you'd save SNOWBALL OR AVALANCHE • Debt snowball: smallest balance first, for quick wins • Debt avalanche: highest interest first, to save the most • Compare both on your real debts: payoff date and total interest side by side A PLAN FOR EVERY PAYDAY • Set your pay schedule and get a payday routine that splits each paycheck across your debts • Your monthly commitment shows what to pay and where the extra goes • Your next move on Home is always the next bill due TRACK EVERY PAYMENT • Log a payment in seconds from the + button • Payment reminders before due dates • Full payment history, searchable by debt, amount or date SEE YOUR PROGRESS • Balance over time, from 30 days to all time • Interest saved: how much your plan saves compared with paying only the minimums • A payoff roadmap showing when each debt will be gone STAY MOTIVATED • Monthly streaks and 24 badges for payments, paid-off debts and milestones • Share your progress without sharing any amounts ON YOUR WRIST AND HOME SCREEN • Apple Watch app: your debt free date and next bill at a glance, and log a payment right from your wrist • Home Screen and Lock Screen widgets with your debt free countdown and next bill, private by default • Made for iPhone Duo: Toffee fills the big screen when you unfold it YOUR DATA, YOUR WAY • No bank login required: you enter your own balances • Import debts from a spreadsheet (Excel, CSV or paste) • Export everything to Excel any time TOFFEE PRO Toffee Pro unlocks the full app. Choose an annual plan (with a 7-day free trial for eligible new subscribers) or a monthly plan. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Privacy Policy: https://toffeefinance.com/privacy-policy Terms of Use: https://toffeefinance.com/tos Toffee is a planning and tracking tool for educational purposes. It doesn't move money and doesn't provide licensed financial advice.
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Verdict
The clearest difference is review sentiment: Debt Tracker at 100% against Debt Guide's 62%. Debt Tracker also leads on update cadence (every 3 days vs every 3 months) and rating (5.0 vs 4.8). Debt Guide's advantage is ratings volume (50 vs 4). On price, ads, in-app purchases and monetization model 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
Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 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.
Debt Tracker holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Guide has 50 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 62% of Debt Guide's written reviews are positive against 100% of Debt Tracker's.
Debt Guide ships an update every 3 months, Debt Tracker every 3 days. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.
| Parameter | Debt Guide | Debt Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (50 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 61.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 50 — better | 4 |
| Update frequency | Every 3 months | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Freemium |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 98 MB | 105 MB |
| Age rating | 4+ | 4+ |
| Developer | Hussain Mustafa | Toffee Finance |
Customer experience
Debt Guide
Debt Tracker
In-app purchases
Debt Guide
- Premium Monthly$9.991 Month
- Premium Yearly7 Days trial$39.991 Year
- Premium Yearly$39.991 Year
- Premium Lifetime$79.99
Debt Tracker
- Toffee Pro Weekly$1.997 Days
- Toffee Pro - Monthly$4.991 Month
- Toffee Pro Weekly - Upgrade$5.997 Days
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- Toffee Pro - Monthly Upgrade$7.991 Month
- Toffee Pro - Annual7 Days trial$29.991 Year
- Toffee Pro - Annual Upgrade$59.991 Year
- Toffee Pro - Lifetime Access$59.99









