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

This app helps you manage and pay off debts by creating a personalized payoff plan. It tracks all your loans, calculates interest costs, and provides strategies like snowball or avalanche to reach your debt-free date faster. You can also track money owed to you and receive payment reminders.

Highlights
  • Personalized debt payoff plans
  • Multiple payoff strategies (snowball, avalanche, etc.)
  • Interest cost calculation
  • Payment logging and reminders
  • Track money owed to you
  • Progress tracking with streaks and badges
  • Widgets and Siri integration
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, from credit cards and student loans to car finance or the money you borrowed off your sister, and see the whole picture on one screen: your total, what you're owed back, what interest costs you each day, and the date you'll be debt-free. A PLAN THAT TELLS YOU WHAT TO PAY Enter each debt's balance, rate and minimum payment, pick a strategy and a monthly budget, and Debt Tracker builds your plan: exactly what to pay on each debt, every month, until you're free. SIX STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Plus Highest Interest Cost, Cash Flow, or your own order. See which clears your debt soonest and cheapest, then make it your plan. WHAT IF Try a raise, a bonus or a tax refund and watch your debt-free date move. WATCH THE BALANCE FALL The Progress tab charts your balance against your plan and tells you when you're ahead. Streaks and badges mark the way. LOG A PAYMENT IN SECONDS Your minimum is already filled in, so logging a payment is one tap. Made a mistake? Undo it, or delete it from your payment history. NEVER MISS A DUE DATE Get reminded before each due date, so late fees don't undo your work. A calendar shows what's due this month and what's already paid. WIDGETS AND SIRI See your balance and next due date on your Home Screen and Lock Screen. Ask Siri how much you owe, or log a payment without opening the app. MONEY YOU'VE LENT, TOO Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. EVERY DETAIL IN ONE PLACE Tag each debt as a credit card, student loan, mortgage, car loan, medical, tax or personal loan. Add the lender, account reference, contact and notes. Track credit limits, 0% promotional rates and rate changes coming up. Group debts into categories that make sense to you. PRIVATE BY DESIGN No account. No sign-up. No bank logins. Your debts stay on your device unless you choose otherwise. Lock the app with Face ID, and turn on iCloud sync to use it on iPhone and iPad, in your own private iCloud, never on our servers. Import from a spreadsheet or export to CSV any time. ANY CURRENCY, ANY LANGUAGE Every world currency, 28 languages, Dark Mode and Dynamic Type. FREE TO START Track up to 5 debts with your debt-free date, reminders, payment logging, streaks and badges, the calendar, a Home Screen widget, sharing and export, free. DEBT TRACKER PRO A subscription unlocks: • Unlimited debts and categories • Your payoff plan: strategy comparison, month-by-month payments, payoff dates and What If • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are free for everyone) • Balance history against your plan • Lock Screen and larger widgets, and logging from a reminder, widget or Siri • Face ID lock and iCloud sync • CSV import and future rate changes 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 Guide's advantage is rating (4.8 vs 4.4) and ratings volume (50 vs 5). 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 $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debt Guide holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: Debt Guide has 50 ratings behind it against 5, 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 November 4, 2026 and November 5, 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 (50 ratings) — better4.4 (5 ratings)
Positive reviews61.5% of reviews—
Number of ratings50 — better5
Update frequencyEvery 3 monthsEvery 5 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size98 MB21 MB
Age rating4+4+
DeveloperHussain MustafaAdam Jessop

Customer experience

Debt Guide

All ratings49 ratings
Positive93.9%
Neutral4.1%
Negative2.0%
Written reviews13 reviews
Positive61.5%
Neutral30.8%
Negative7.7%

Debt Tracker by UnDebt

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%

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 Subscription3 Days trial$4.991 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 Guide is rated higher. Debt Guide averages 4.8 out of 5 from 50 ratings, while Debt Tracker by UnDebt averages 4.4 from 5 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 November 4, 2026 and Debt Tracker by UnDebt on November 5, 2026.

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