# Debt Guide vs Debt Tracker

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.

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.

## The numbers

| Metric | Debt Guide | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913/reviews)** |
| Number of ratings | **50** | 4 |
| Positive reviews | 61.5% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 days** |
| Monetization | Freemium | Freemium |
| Size | 98 MB | 105 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Toffee Finance](https://appshunter.io/developer/1805257670) |

## What reviewers say

### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support, iPhone Duo support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Toffee Pro Weekly | $1.99 | per 7 days |
| Toffee Pro - Monthly | $4.99 | per month |
| Toffee Pro Weekly - Upgrade | $5.99 | per 7 days |
| Toffee Pro - Monthly Upgrade | $7.99 | per month |
| Toffee Pro - Annual | $29.99 | per year |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Toffee Pro - Lifetime Access | $59.99 | one-time |


## Frequently asked questions

### Is Debt Guide free?

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

### Is Debt Tracker free?

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

### Which has better reviews, Debt Guide or Debt Tracker?

Debt Tracker is rated higher. Debt Guide averages 4.8 out of 5 from 50 ratings, while Debt Tracker averages 5.0 from 4 ratings.

### Do Debt Guide or Debt Tracker have ads?

Neither Debt Guide nor Debt Tracker shows ads.

### Which is updated more often, Debt Guide or Debt Tracker?

Debt Guide ships an update every 3 months, and Debt Tracker every 3 days. Most recently, Debt Guide was updated on November 4, 2026 and Debt Tracker 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.*