# Debt Guide vs Debt Magic

Debt Guide and Debt Magic both sit at 4.8 stars, but that hides the real split: 100% of Debt Magic's written reviews are positive against 62% of Debt Guide's. Debt Magic also leads on in-app purchases (none vs 4) and update cadence (weekly vs every 3 months). Debt Guide's advantage is device support (3 vs 1). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Debt Magic asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for Debt Guide against 4.8 for Debt Magic. Both are backed by a comparable volume of ratings — 49 and 19 respectively. Written reviews are what separate them: 62% of Debt Guide's written reviews are positive against 100% of Debt Magic's.

Debt Guide ships an update every 3 months, Debt Magic weekly. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Debt Guide | Debt Magic |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** | [4.8 (19 ratings)](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews) |
| Number of ratings | **49** | 19 |
| Positive reviews | 61.5% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | Freemium | **Free** |
| Size | 98 MB | 33 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Changed Inc.](https://appshunter.io/developer/1164559382) |

## 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 Magic

[App page](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437)

This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.

**Highlights:** Debt payoff calculator, Compare Snowball vs. Avalanche methods, Visualize extra payment impact, Track principal vs. interest, Consolidate all debt types

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Guide free?

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

### Is Debt Magic free?

Debt Magic is free to download, with no in-app purchases.

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

Debt Guide is rated higher. Debt Guide averages 4.8 out of 5 from 49 ratings, while Debt Magic averages 4.8 from 19 ratings.

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

Neither Debt Guide nor Debt Magic shows ads.

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

Debt Guide ships an update every 3 months, and Debt Magic weekly. Most recently, Debt Guide was updated on October 30, 2026 and Debt Magic on October 24, 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.*