# Debt Guide vs Debt Payoff Planner

The clearest difference is review sentiment: Debt Guide at 62% against Debt Payoff Planner's 0%. Debt Guide also leads on ratings volume (49 vs 1) and device support (3 vs 1). Debt Payoff Planner's advantage is update cadence (fortnightly vs every 3 months) and rating (5.0 vs 4.8). 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 Payoff Planner sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner 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 1, so its average is the more settled of the two. Written reviews complicate that: 62% of Debt Guide's written reviews are positive against 0% of Debt Payoff Planner's, so the app with the better star average is not the one people write more warmly about.

Debt Guide ships an update every 3 months, Debt Payoff Planner fortnightly. The most recent releases landed on October 20, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Debt Guide | Debt Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews)** |
| Number of ratings | **49** | 1 |
| Positive reviews | **61.5% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | Freemium | Freemium |
| Size | 98 MB | 32 MB |
| Requires iOS | **15.0** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Linas Nutautas](https://appshunter.io/developer/1738774097) |

## 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 Payoff Planner

[App page](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524)

Create a personalized plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

**Highlights:** Personalized debt payoff plans, Track loans, credit cards, and mortgages, Compare Snowball, Avalanche, and Cash Flow strategies, Log payments and track progress, Debt-free date countdown, Payment reminders and overdue alerts, Works offline

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Tracker Premium | $4.99 | per month |
| Debt Tracker Premium | $29.99 | per year |


## Frequently asked questions

### Is Debt Guide free?

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

### Is Debt Payoff Planner free?

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

### Which has better reviews, Debt Guide or Debt Payoff Planner?

Debt Payoff Planner is rated higher. Debt Guide averages 4.8 out of 5 from 49 ratings, while Debt Payoff Planner averages 5.0 from 1 ratings.

### Do Debt Guide or Debt Payoff Planner have ads?

Neither Debt Guide nor Debt Payoff Planner shows ads.

### Which is updated more often, Debt Guide or Debt Payoff Planner?

Debt Guide ships an update every 3 months, and Debt Payoff Planner fortnightly. Most recently, Debt Guide was updated on October 20, 2026 and Debt Payoff Planner on October 19, 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.*