# Debt Payoff Planner vs DebtWise

The clearest difference is update cadence: Debt Payoff Planner at every 5 days against DebtWise's every 6 weeks. On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Debt Payoff Planner sells 14 in-app purchases, starting at $0.99 per 7 days and DebtWise sells 4 in-app purchases, starting at $2.49 per 7 days. 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 Payoff Planner against 5.0 for DebtWise. Both are backed by a comparable volume of ratings — 4 and 2 respectively.

Debt Payoff Planner ships an update every 5 days, DebtWise every 6 weeks. The most recent releases landed on October 24, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | DebtWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (4 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6743946913/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721/reviews) |
| Number of ratings | **4** | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 6 weeks |
| Monetization | Free with in-app purchases | Freemium |
| Size | 76 MB | 37 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Toffee Finance](https://appshunter.io/developer/1805257670) | [Amanuel Getachew Shiferaw](https://appshunter.io/developer/1881284519) |

## 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 (14)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly | $0.99 | per 7 days |
| Toffee - Premium | $0.99 | per 7 days |
| Toffee Pro Weekly | $1.99 | per 7 days |
| Premium Weekly | $1.99 | per 7 days |
| Toffee Pro - Monthly | $4.99 | per month |
| Toffee | $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 - Annual | $49.99 | per year |
| toffee | $49.99 | per year |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Premium - Annual | $69.99 | per year |
| Toffee Pro - Lifetime Access | $29.99 | one-time |


### DebtWise

[App page](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721)

This app helps you create a personalized debt payoff plan and stick to it. It offers custom ordering of debts, automatic payment reminders, and progress tracking. It also includes classic payoff strategies and works offline in multiple languages.

**Highlights:** Custom debt payoff order, Automatic payment reminders, Progress tracking and milestones, Avalanche and Snowball strategies, Cascade effect for accelerated payoff, Offline functionality, Data export

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtWise Pro | $2.49 | per 7 days |
| DebtWise Pro | $5.99 | per month |
| DebtWise Pro | $9.99 | per year |
| DebtWise Pro | $19.99 | one-time |


## Frequently asked questions

### Is Debt Payoff Planner free?

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

### Is DebtWise free?

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

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

Debt Payoff Planner and DebtWise are both rated 5.0 out of 5 on the App Store, from 4 and 2 ratings respectively.

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

Neither Debt Payoff Planner nor DebtWise shows ads.

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

Debt Payoff Planner ships an update every 5 days, and DebtWise every 6 weeks. Most recently, Debt Payoff Planner was updated on October 24, 2026 and DebtWise on October 16, 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.*