Comparison

Debt Guide vs Debt Tracker by UnDebt

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

Head to head
About

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.

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
Read full description

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/

About

Debt Tracker by UnDebt

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

Highlights
  • Custom debt categories
  • Interest rate tracking
  • Track lent and borrowed money
  • Debt summary and progress tracking
  • Payment recording
  • Simple, easy-to-use interface
Features
Read full description

Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there. Add what you owe — credit cards, student loans, car finance, the money you borrowed off your sister — and see the whole picture on one screen: your total balance, what you're owed back, and how much you've already cleared. ONE CLEAR BALANCE Everything you owe in a single number, with a progress bar showing how far you've come and a countdown to the day you're debt-free. A PAYOFF DATE YOU CAN PLAN AROUND Enter each debt's balance, interest rate and minimum payment, and Debt Tracker works out the month it clears. Then try paying a little extra and watch the date move — see exactly what an extra amount each month saves you in time and interest. THREE STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Compare all three side by side, see which clears your debt soonest and cheapest, then pick one as your plan. WATCH THE BALANCE FALL Charts show your balance dropping month by month, so progress is something you can see rather than something you have to take on faith. NEVER MISS A DUE DATE Set due dates and get reminded up to a week ahead, so late fees don't undo your work. Mark the ones that repeat monthly and they look after themselves. A calendar view shows what's coming. MONEY YOU'VE LENT, TOO Most debt apps only look one way. Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. LOG EVERY PAYMENT Record payments as you make them and watch the balance and payoff date move. Milestones at 25%, 50% and 75% mark the way, because clearing debt is a long road and it helps to see the markers. ORGANISED HOWEVER YOU THINK Group debts into categories that make sense to you, and tag each one as a credit card, student loan, mortgage, medical, tax or personal loan. See at a glance which kind of borrowing is costing you most. PRIVATE BY DEFAULT No account. No sign-up. Your debts stay on your device unless you choose otherwise. Turn on iCloud sync and they travel with you across iPhone and iPad, in your own private iCloud — never on our servers. Export everything to CSV any time, so your data is always yours to take. BUILT PROPERLY Full support for Dark Mode and Dynamic Type, so it looks right and reads comfortably however you have your phone set up. DEBT TRACKER PRO A subscription unlocks: • Unlimited categories • Payoff dates and what-if projections • Strategy comparison across all your debts • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are available to everyone) • All 25 supported currencies Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Terms and Privacy Policy: https://undebt5.wordpress.com/

Screenshots

Debt Guide4 screens
Debt Tracker by UnDebt4 screens

Verdict

The call

The clearest difference is update cadence: Debt Tracker by UnDebt at every 5 days against Debt Guide's every 3 months. Debt Tracker by UnDebt also leads on rating (5.0 vs 4.8). Debt Guide's advantage is ratings volume (49 vs 4) and iOS requirement (15.0 vs 17.0). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month and Debt Tracker by UnDebt sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debt Tracker by UnDebt holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Guide has 49 ratings behind it against 4, so its average is the more settled of the two.

UpkeepUpdate frequency

Debt Guide ships an update every 3 months, Debt Tracker by UnDebt every 5 days. The most recent releases landed on September 21, 2026 and September 9, 2026 respectively.

Scorecard4 real differences · 6 level
Debt Guide versus Debt Tracker by UnDebt: the parameters behind the verdict, then further details
ParameterDebt GuideDebt Tracker by UnDebt
PriceFreeFree
Rating4.8 (49 ratings)5.0 (4 ratings) — better
Positive reviews58.3% of reviews—
Number of ratings49 — better4
Update frequencyEvery 3 monthsEvery 5 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size98 MB12 MB
Age rating+44+
DeveloperHussain MustafaAdam Jessop

Customer experience

Debt Guide

All ratings49 ratings
Positive93.9%
Neutral4.1%
Negative2.0%
Written reviews12 reviews
Positive58.3%
Neutral33.3%
Negative8.3%

Debt Tracker by UnDebt

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

4 purchases

Debt Guide

Subscriptions3
  • Premium Monthly$9.991 Month
  • Premium Yearly7 Days trial$39.991 Year
  • Premium Yearly$39.991 Year
One-time1
  • Premium Lifetime$79.99
2 purchases

Debt Tracker by UnDebt

Subscriptions2
  • Monthly Subscription$2.991 Month
  • 12 Month Subscription$19.991 Year

Questions

Is Debt Guide free?
Debt Guide is free to download, with in-app purchases available.
Is Debt Tracker by UnDebt free?
Debt Tracker by UnDebt is free to download, with in-app purchases available.
Which has better reviews, Debt Guide or Debt Tracker by UnDebt?
Debt Tracker by UnDebt is rated higher. Debt Guide averages 4.8 out of 5 from 49 ratings, while Debt Tracker by UnDebt averages 5.0 from 4 ratings.
Do Debt Guide or Debt Tracker by UnDebt have ads?
Neither Debt Guide nor Debt Tracker by UnDebt shows ads.
Which is updated more often, Debt Guide or Debt Tracker by UnDebt?
Debt Guide ships an update every 3 months, and Debt Tracker by UnDebt every 5 days. Most recently, Debt Guide was updated on September 21, 2026 and Debt Tracker by UnDebt on September 9, 2026.

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