# Debt Tracker vs Debt Payoff Planner

Debt Tracker and Debt Payoff Planner both sit at 5.0 stars, but that hides the real split: 100% of Debt Tracker's written reviews are positive against 0% of Debt Payoff Planner's. Debt Tracker also leads on update cadence (every 3 days vs fortnightly) and ratings volume (4 vs 1). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Tracker sells 7 in-app purchases, starting at $1.99 per 7 days and Debt Payoff Planner sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Debt Tracker against 5.0 for Debt Payoff Planner. Both are backed by a comparable volume of ratings — 4 and 1 respectively. Written reviews are what separate them: 100% of Debt Tracker's written reviews are positive against 0% of Debt Payoff Planner's.

Debt Tracker ships an update every 3 days, Debt Payoff Planner fortnightly. The most recent releases landed on November 5, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Debt Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews) |
| Number of ratings | **4** | 1 |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Freemium | Freemium |
| Size | 105 MB | 32 MB |
| Requires iOS | **16.4** | 26.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Toffee Finance](https://appshunter.io/developer/1805257670) | [Linas Nutautas](https://appshunter.io/developer/1738774097) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913)

This app helps you create a clear plan to become debt-free. Track loans, credit cards, and BNPL balances, visualize your payoff date, and compare different debt reduction strategies. It offers payment reminders and progress tracking to keep you motivated.

**Highlights:** Debt payoff plan visualization, Debt snowball and avalanche comparison, Paycheck splitting for debt payments, Payment tracking and reminders, Progress and interest saved tracking, Motivation badges and streaks, Apple Watch and widget support

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support, iPhone Duo support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Toffee Pro Weekly | $1.99 | per 7 days |
| Toffee Pro - Monthly | $4.99 | per month |
| Toffee Pro Weekly - Upgrade | $5.99 | per 7 days |
| Toffee Pro - Monthly Upgrade | $7.99 | per month |
| Toffee Pro - Annual | $29.99 | per year |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Toffee Pro - Lifetime Access | $59.99 | one-time |


### Debt Payoff Planner

[App page](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524)

Create a personalized plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

**Highlights:** Personalized debt payoff plans, Track loans, credit cards, and mortgages, Compare Snowball, Avalanche, and Cash Flow strategies, Log payments and track progress, Debt-free date countdown, Payment reminders and overdue alerts, Works offline

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Tracker Premium | $4.99 | per month |
| Debt Tracker Premium | $29.99 | per year |


## Frequently asked questions

### Is Debt Tracker free?

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

### Is Debt Payoff Planner free?

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

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

Debt Tracker and Debt Payoff Planner are both rated 5.0 out of 5 on the App Store, from 4 and 1 ratings respectively.

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

Neither Debt Tracker nor Debt Payoff Planner shows ads.

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

Debt Tracker ships an update every 3 days, and Debt Payoff Planner fortnightly. Most recently, Debt Tracker was updated on November 5, 2026 and Debt Payoff Planner on October 30, 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.*