# Debt Tracker vs Debt Magic

The clearest difference is in-app purchases: Debt Magic at none against Debt Tracker's 7. Debt Magic also leads on ratings volume (20 vs 4). Debt Tracker's advantage is rating (5.0 vs 4.8) and update cadence (every 3 days vs weekly). On price, review sentiment, ads and iOS requirement there is nothing between them.

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

Debt Tracker holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Magic has 20 ratings behind it against 4, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

Debt Tracker ships an update every 3 days, Debt Magic weekly. Both last shipped on November 5, 2026.

## The numbers

| Metric | Debt Tracker | Debt Magic |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913/reviews)** | [4.8 (20 ratings)](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews) |
| Number of ratings | 4 | **20** |
| 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 | Freemium | **Free** |
| Size | 105 MB | 33 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Toffee Finance](https://appshunter.io/developer/1805257670) | [Changed Inc.](https://appshunter.io/developer/1164559382) |

## 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 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 Tracker free?

Debt Tracker 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 Tracker or Debt Magic?

Debt Tracker is rated higher. Debt Tracker averages 5.0 out of 5 from 4 ratings, while Debt Magic averages 4.8 from 20 ratings.

### Do Debt Tracker or Debt Magic have ads?

Neither Debt Tracker nor Debt Magic shows ads.

### Which is updated more often, Debt Tracker or Debt Magic?

Debt Tracker ships an update every 3 days, and Debt Magic weekly. Most recently, Debt Tracker was updated on November 5, 2026 and Debt Magic on November 5, 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.*