# Debt Guide vs Debtless

The clearest difference is monetization model: Debtless at free against Debt Guide's freemium. Debtless also leads on rating (5.0 vs 4.8). Debt Guide's advantage is update cadence (every 3 months vs every 7 months) and ratings volume (50 vs 6). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month and Debtless sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Debtless holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Guide has 50 ratings behind it against 6, so its average is the more settled of the two.

Debt Guide ships an update every 3 months, Debtless every 7 months. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Debt Guide | Debtless |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/debtless/id6748594182/reviews)** |
| Number of ratings | **50** | 6 |
| Positive reviews | 61.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 7 months |
| Monetization | Freemium | **Free** |
| Size | 98 MB | 5 MB |
| Requires iOS | **15.0** | 18.2 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Logan Moore](https://appshunter.io/developer/382096113) |

## 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 |


### Debtless

[App page](https://appshunter.io/ios/app/debtless/id6748594182)

This app helps you track and plan your debt payoff. It offers features like unlimited debt tracking, payment logging, and strategy comparison. All features are free with no ads or subscriptions, prioritizing user privacy by keeping data on-device.

**Highlights:** Unlimited debt tracking, Payment logging, Debt payoff strategy comparison, Projected debt-free date, On-device AI plan assistant, Statement extraction, Earn ideas tailored to skills

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Thanks for the Support! | $0.99 | one-time |
| You're Awesome! | $2.99 | one-time |
| You’re fueling development! | $4.99 | one-time |


## Frequently asked questions

### Is Debt Guide free?

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

### Is Debtless free?

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

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

Debtless is rated higher. Debt Guide averages 4.8 out of 5 from 50 ratings, while Debtless averages 5.0 from 6 ratings.

### Do Debt Guide or Debtless have ads?

Neither Debt Guide nor Debtless shows ads.

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

Debt Guide ships an update every 3 months, and Debtless every 7 months. Most recently, Debt Guide was updated on November 4, 2026 and Debtless 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.*