# Debt Guide vs Payoff Planner

The clearest difference is ratings volume: Debt Guide at 50 against Payoff Planner's 1. Debt Guide also leads on device support (3 vs 1) and iOS requirement (15.0 vs 18.6). Payoff Planner's advantage is update cadence (every 4 weeks 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 Payoff Planner sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

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 50 ratings behind it against 1, so its average is the more settled of the two.

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

## The numbers

| Metric | Debt Guide | Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309/reviews)** |
| Number of ratings | **50** | 1 |
| Positive reviews | 61.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 weeks** |
| Monetization | Freemium | Freemium |
| Size | 98 MB | 10 MB |
| Requires iOS | **15.0** | 18.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Chad Pickard](https://appshunter.io/developer/1831075073) |

## 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 |


### Payoff Planner

[App page](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309)

This app helps you create a personalized debt payoff plan based on your income and expenses. It calculates how much extra you can safely allocate to debt from each paycheck and guides you on which debt to tackle first for faster debt freedom.

**Highlights:** Paycheck-based payoff plans, Multiple payoff strategies (snowball, avalanche, custom), Calculates debt-free date and interest saved, Supports various debt types (credit cards, loans, mortgages), Bill reminders and payday nudges, Customizable currency support

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Planner Pro | $4.99 | one-time |


## Frequently asked questions

### Is Debt Guide free?

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

### Is Payoff Planner free?

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

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

Payoff Planner is rated higher. Debt Guide averages 4.8 out of 5 from 50 ratings, while Payoff Planner averages 5.0 from 1 ratings.

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

Neither Debt Guide nor Payoff Planner shows ads.

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

Debt Guide ships an update every 3 months, and Payoff Planner every 4 weeks. Most recently, Debt Guide was updated on November 4, 2026 and Payoff Planner on November 5, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*