# Debt Payoff Planner vs Debt Magic

The clearest difference is in-app purchases: Debt Magic at none against Debt Payoff Planner's 7. Debt Magic also leads on ratings volume (19 vs 4). Debt Payoff Planner's advantage is rating (5.0 vs 4.8) and device support (3 vs 1). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Debt Payoff Planner sells 7 in-app purchases, starting at $1.99 per 7 days. Debt Magic asks for nothing beyond the download.

Debt Payoff Planner holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 4 and 19 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Debt Payoff Planner ships an update every 3 days, Debt Magic weekly. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Debt Magic |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6743946913/reviews)** | [4.8 (19 ratings)](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews) |
| Number of ratings | 4 | **19** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 days** | Weekly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 76 MB | 33 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Toffee Finance](https://appshunter.io/developer/1805257670) | [Changed Inc.](https://appshunter.io/developer/1164559382) |

## What reviewers say

### Debt Payoff Planner

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

This app helps you visualize and accelerate your debt payoff journey. It offers personalized strategies like debt snowball or avalanche, connects to your bank accounts for automatic updates, and provides motivation through progress tracking and AI coaching. Get a clear view of your debt-free date and stay on track with payment reminders.

**Highlights:** Debt Snowball and Avalanche payoff methods, Automatic bank account syncing via Plaid, AI-powered debt coaching and scenario planning, Progress visualization with charts and milestones, Payment reminders and payday routine setup, Calculates estimated debt-free date

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

[App page](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437)

This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.

**Highlights:** Debt payoff calculator, Compare Snowball vs. Avalanche methods, Visualize extra payment impact, Track principal vs. interest, Consolidate all debt types

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Payoff Planner free?

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

### Is Debt Magic free?

Debt Magic is free to download, with no in-app purchases.

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

Debt Payoff Planner is rated higher. Debt Payoff Planner averages 5.0 out of 5 from 4 ratings, while Debt Magic averages 4.8 from 19 ratings.

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

Neither Debt Payoff Planner nor Debt Magic shows ads.

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

Debt Payoff Planner ships an update every 3 days, and Debt Magic weekly. Most recently, Debt Payoff Planner was updated on October 30, 2026 and Debt Magic on October 24, 2026.

---

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