# Debt Guide vs Payoff

Debt Guide and Payoff are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month and Payoff sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Guide ships an update every 3 months, Payoff every 5 months. The most recent releases landed on October 20, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Debt Guide | Payoff |
| --- | --- | --- |
| 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 | No |
| Update frequency | **Every 3 months** | Every 5 months |
| Monetization | Freemium | — |
| Size | 98 MB | 5 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## 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

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


## Frequently asked questions

### Is Debt Guide free?

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

### Is Payoff free?

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

### Do Debt Guide or Payoff have ads?

Neither Debt Guide nor Payoff shows ads.

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

Debt Guide ships an update every 3 months, and Payoff every 5 months. Most recently, Debt Guide was updated on October 20, 2026 and Payoff on October 19, 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.*