# Debt Guide vs DebtWise

The clearest difference is ratings volume: Debt Guide at 49 against DebtWise's 2. DebtWise's advantage is rating (5.0 vs 4.8) and update cadence (every 6 weeks vs every 3 months). 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 DebtWise sells 4 in-app purchases, starting at $2.49 per 7 days. Whichever you choose, the download price is not the number that matters.

DebtWise 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 2, so its average is the more settled of the two.

Debt Guide ships an update every 3 months, DebtWise every 6 weeks. The most recent releases landed on October 20, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Debt Guide | DebtWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721/reviews)** |
| Number of ratings | **49** | 2 |
| Positive reviews | 61.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 6 weeks** |
| Monetization | Freemium | Freemium |
| Size | 98 MB | 37 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Amanuel Getachew Shiferaw](https://appshunter.io/developer/1881284519) |

## 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 |


### DebtWise

[App page](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721)

This app helps you create a personalized debt payoff plan and stick to it. It offers custom ordering of debts, automatic payment reminders, and progress tracking. It also includes classic payoff strategies and works offline in multiple languages.

**Highlights:** Custom debt payoff order, Automatic payment reminders, Progress tracking and milestones, Avalanche and Snowball strategies, Cascade effect for accelerated payoff, Offline functionality, Data export

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtWise Pro | $2.49 | per 7 days |
| DebtWise Pro | $5.99 | per month |
| DebtWise Pro | $9.99 | per year |
| DebtWise Pro | $19.99 | one-time |


## Frequently asked questions

### Is Debt Guide free?

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

### Is DebtWise free?

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

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

DebtWise is rated higher. Debt Guide averages 4.8 out of 5 from 49 ratings, while DebtWise averages 5.0 from 2 ratings.

### Do Debt Guide or DebtWise have ads?

Neither Debt Guide nor DebtWise shows ads.

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

Debt Guide ships an update every 3 months, and DebtWise every 6 weeks. Most recently, Debt Guide was updated on October 20, 2026 and DebtWise on October 16, 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.*