Comparison

DebtFreeVisualizer vs Debt Tracker by UnDebt

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

DebtFreeVisualizer

Features
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DebtFree Visualizer is your personal companion on the journey to financial freedom. This powerful and intuitive app helps you visualize, track, and eliminate your debts using proven strategies like the Snowball and Avalanche methods. Key Features: • Easy Debt Management: Add and track multiple debts with their balances, interest rates, and payment terms • Interactive Visualizations: Watch your debt decrease with beautiful, easy-to-understand charts • Multiple Payoff Strategies: Choose between Snowball (smallest to largest) or Avalanche (highest interest first) methods • Progress Tracking: See your projected payoff date and track your journey to becoming debt-free • Educational Resources: Learn about debt management strategies and financial best practices • Secure & Private: Your financial data stays on your device, no account required Perfect for: - Anyone looking to get out of debt systematically - Users who want to visualize their debt payoff journey - People seeking motivation through progress tracking - Those who want to compare different debt payoff strategies Start your journey to financial freedom today with DebtFree Visualizer - your personal debt elimination companion.

About

Debt Tracker by UnDebt

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

Highlights
  • Custom debt categories
  • Interest rate tracking
  • Track lent and borrowed money
  • Debt summary and progress tracking
  • Payment recording
  • Simple, easy-to-use interface
Features
Read full description

Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there. Add what you owe — credit cards, student loans, car finance, the money you borrowed off your sister — and see the whole picture on one screen: your total balance, what you're owed back, and how much you've already cleared. ONE CLEAR BALANCE Everything you owe in a single number, with a progress bar showing how far you've come and a countdown to the day you're debt-free. A PAYOFF DATE YOU CAN PLAN AROUND Enter each debt's balance, interest rate and minimum payment, and Debt Tracker works out the month it clears. Then try paying a little extra and watch the date move — see exactly what an extra amount each month saves you in time and interest. THREE STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Compare all three side by side, see which clears your debt soonest and cheapest, then pick one as your plan. WATCH THE BALANCE FALL Charts show your balance dropping month by month, so progress is something you can see rather than something you have to take on faith. NEVER MISS A DUE DATE Set due dates and get reminded up to a week ahead, so late fees don't undo your work. Mark the ones that repeat monthly and they look after themselves. A calendar view shows what's coming. MONEY YOU'VE LENT, TOO Most debt apps only look one way. Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. LOG EVERY PAYMENT Record payments as you make them and watch the balance and payoff date move. Milestones at 25%, 50% and 75% mark the way, because clearing debt is a long road and it helps to see the markers. ORGANISED HOWEVER YOU THINK Group debts into categories that make sense to you, and tag each one as a credit card, student loan, mortgage, medical, tax or personal loan. See at a glance which kind of borrowing is costing you most. PRIVATE BY DEFAULT No account. No sign-up. Your debts stay on your device unless you choose otherwise. Turn on iCloud sync and they travel with you across iPhone and iPad, in your own private iCloud — never on our servers. Export everything to CSV any time, so your data is always yours to take. BUILT PROPERLY Full support for Dark Mode and Dynamic Type, so it looks right and reads comfortably however you have your phone set up. DEBT TRACKER PRO A subscription unlocks: • Unlimited categories • Payoff dates and what-if projections • Strategy comparison across all your debts • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are available to everyone) • All 25 supported currencies Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Terms and Privacy Policy: https://undebt5.wordpress.com/

Screenshots

DebtFreeVisualizer4 screens
Debt Tracker by UnDebt4 screens

Verdict

The call

The clearest difference is in-app purchases: DebtFreeVisualizer at none against Debt Tracker by UnDebt's 2. DebtFreeVisualizer also leads on iOS requirement (15.1 vs 17.0). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Tracker by UnDebt sells 2 in-app purchases, starting at $2.99 per month. DebtFreeVisualizer asks for nothing beyond the download.

Scorecard2 real differences · 7 level
DebtFreeVisualizer versus Debt Tracker by UnDebt: the parameters behind the verdict, then further details
ParameterDebtFreeVisualizerDebt Tracker by UnDebt
PriceFreeFree
Rating—5.0 (4 ratings) — better
Number of ratings—4 — better
Update frequency—Every 5 days
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size21 MB12 MB
Age rating4+4+
DeveloperOgbemudia Terry OsayaweAdam Jessop

In-app purchases

None

DebtFreeVisualizer

No in-app purchases

2 purchases

Debt Tracker by UnDebt

Subscriptions2
  • Monthly Subscription$2.991 Month
  • 12 Month Subscription$19.991 Year

Questions

Is DebtFreeVisualizer free?
DebtFreeVisualizer is free to download, with no in-app purchases.
Is Debt Tracker by UnDebt free?
Debt Tracker by UnDebt is free to download, with in-app purchases available.
Do DebtFreeVisualizer or Debt Tracker by UnDebt have ads?
Neither DebtFreeVisualizer nor Debt Tracker by UnDebt shows ads.

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