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
Read full description

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, from credit cards and student loans to car finance or the money you borrowed off your sister, and see the whole picture on one screen: your total, what you're owed back, what interest costs you each day, and the date you'll be debt-free. A PLAN THAT TELLS YOU WHAT TO PAY Enter each debt's balance, rate and minimum payment, pick a strategy and a monthly budget, and Debt Tracker builds your plan: exactly what to pay on each debt, every month, until you're free. SIX STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Plus Highest Interest Cost, Cash Flow, or your own order. See which clears your debt soonest and cheapest, then make it your plan. WHAT IF Try a raise, a bonus or a tax refund and watch your debt-free date move. WATCH THE BALANCE FALL The Progress tab charts your balance against your plan and tells you when you're ahead. Streaks and badges mark the way. LOG A PAYMENT IN SECONDS Your minimum is already filled in, so logging a payment is one tap. Made a mistake? Undo it, or delete it from your payment history. NEVER MISS A DUE DATE Get reminded before each due date, so late fees don't undo your work. A calendar shows what's due this month and what's already paid. WIDGETS AND SIRI See your balance and next due date on your Home Screen and Lock Screen. Ask Siri how much you owe, or log a payment without opening the app. MONEY YOU'VE LENT, TOO Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. EVERY DETAIL IN ONE PLACE Tag each debt as a credit card, student loan, mortgage, car loan, medical, tax or personal loan. Add the lender, account reference, contact and notes. Track credit limits, 0% promotional rates and rate changes coming up. Group debts into categories that make sense to you. PRIVATE BY DESIGN No account. No sign-up. No bank logins. Your debts stay on your device unless you choose otherwise. Lock the app with Face ID, and turn on iCloud sync to use it on iPhone and iPad, in your own private iCloud, never on our servers. Import from a spreadsheet or export to CSV any time. ANY CURRENCY, ANY LANGUAGE Every world currency, 28 languages, Dark Mode and Dynamic Type. FREE TO START Track up to 5 debts with your debt-free date, reminders, payment logging, streaks and badges, the calendar, a Home Screen widget, sharing and export, free. DEBT TRACKER PRO A subscription unlocks: • Unlimited debts and categories • Your payoff plan: strategy comparison, month-by-month payments, payoff dates and What If • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are free for everyone) • Balance history against your plan • Lock Screen and larger widgets, and logging from a reminder, widget or Siri • Face ID lock and iCloud sync • CSV import and future rate changes 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 $3.99 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—4.4 (5 ratings) — better
Number of ratings—5 — 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 MB21 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 Subscription3 Days trial$3.991 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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