# Debt Tracker vs DebtClear

The clearest difference is update cadence: Debt Tracker at every 2 days against DebtClear's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debt Tracker sells 8 in-app purchases, starting at $1.99 per 7 days and DebtClear sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Tracker ships an update every 2 days, DebtClear every 2 months. The most recent releases landed on November 8, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Debt Tracker | DebtClear |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 2 days** | Every 2 months |
| Monetization | Freemium | — |
| Size | 121 MB | 49 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Toffee Finance](https://appshunter.io/developer/1805257670) | [Bayron Varela](https://appshunter.io/developer/1878012602) |

## 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. It visualizes your payoff date, allows you to compare different strategies like snowball or avalanche, and tracks every payment to keep you motivated. You can also set up payday routines and receive payment reminders.

**Highlights:** Debt payoff plan visualization, Debt snowball and avalanche strategy comparison, Payday routine setup, Payment tracking and reminders, Progress visualization, Motivational badges and streaks, Spreadsheet import/export

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

**In-app purchases (8)**

| 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 Discount | $29.99 | one-time |
| Toffee Pro - Lifetime Access | $59.99 | one-time |


### DebtClear

[App page](https://appshunter.io/ios/app/debtclear/id6759307540)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $9.99 | per month |
| yearly premium | $59.99 | per year |


## Frequently asked questions

### Is Debt Tracker free?

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

### Is DebtClear free?

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

### Do Debt Tracker or DebtClear have ads?

Neither Debt Tracker nor DebtClear shows ads.

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

Debt Tracker ships an update every 2 days, and DebtClear every 2 months. Most recently, Debt Tracker was updated on November 8, 2026 and DebtClear 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.*