# Debt Tracker vs DebtWise

The clearest difference is update cadence: Debt Tracker at every 3 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 Tracker sells 7 in-app purchases, starting at $1.99 per 7 days and DebtWise sells 2 in-app purchases, starting at $9.99 per year. 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 DebtWise. Both are backed by a comparable volume of ratings — 4 and 2 respectively.

Debt Tracker ships an update every 3 days, DebtWise every 6 weeks. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Debt Tracker | DebtWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-payoff-planner/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 3 days** | Every 6 weeks |
| Monetization | Freemium | Freemium |
| Size | 105 MB | 37 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | **iPhone, iPad, Apple Watch** | 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 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 |


### 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 (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtWise Pro | $9.99 | per year |
| DebtWise Pro | $19.99 | one-time |


## Frequently asked questions

### Is Debt Tracker free?

Debt Tracker 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 Tracker or DebtWise?

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

### Do Debt Tracker or DebtWise have ads?

Neither Debt Tracker nor DebtWise shows ads.

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

Debt Tracker ships an update every 3 days, and DebtWise every 6 weeks. Most recently, Debt Tracker was updated on November 5, 2026 and DebtWise on October 31, 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.*