# Debt Guide vs Debt Payoff Planner Plus

The clearest difference is ads: Debt Guide at none against Debt Payoff Planner Plus's shown. On price, update cadence, in-app purchases and device support 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 Plus sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on October 24, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Debt Guide | Debt Payoff Planner Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** | — |
| Number of ratings | **49** | — |
| Positive reviews | 61.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Freemium | — |
| Size | 98 MB | 6 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Storq Labs BV](https://appshunter.io/developer/1864178327) |

## 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 Plus

[App page](https://appshunter.io/ios/app/debt-payoff-planner-plus/id6758942155)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $1.99 | one-time |


## Frequently asked questions

### Is Debt Guide free?

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

### Is Debt Payoff Planner Plus free?

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

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

Debt Payoff Planner Plus shows ads; Debt Guide does not.

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

Debt Guide ships an update every 3 months, and Debt Payoff Planner Plus every 3 months. Most recently, Debt Guide was updated on October 24, 2026 and Debt Payoff Planner Plus on October 15, 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.*