# Debt Guide vs Debt Tracker by UnDebt

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.

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.

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.

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.

## The numbers

| Metric | Debt Guide | Debt Tracker by UnDebt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** | [4.4 (5 ratings)](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488/reviews) |
| Number of ratings | **50** | 5 |
| Positive reviews | 61.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | Freemium | Freemium |
| Size | 98 MB | 21 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Adam Jessop](https://appshunter.io/developer/1728400867) |

## 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 by UnDebt

[App page](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $4.99 | per month |
| 12 Month Subscription | $19.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*