# Debt Tracker vs Payoff

The clearest difference is update cadence: Debt Tracker at every 3 days against Payoff's every 5 months. On price, review sentiment, ads and in-app purchases 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 Payoff sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Tracker ships an update every 3 days, Payoff every 5 months. The most recent releases landed on November 5, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Payoff |
| --- | --- | --- |
| 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 | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 days** | Every 5 months |
| Monetization | Freemium | Freemium |
| Size | 105 MB | 5 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Toffee Finance](https://appshunter.io/developer/1805257670) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## 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 |


### Payoff

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

This app helps you create a personalized plan to pay off your debts efficiently. It compares different payoff strategies, tracks your progress, and sends due date reminders. You can visualize savings and share milestones.

**Highlights:** Personalized monthly debt payoff plan, Comparison of payoff strategies (Avalanche, Snowball, etc.), Progress tracking and debt-free countdown, Due date reminders, Home screen widget, Privacy-focused with no ads or analytics

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


## Frequently asked questions

### Is Debt Tracker free?

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

### Is Payoff free?

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

### Do Debt Tracker or Payoff have ads?

Neither Debt Tracker nor Payoff shows ads.

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

Debt Tracker ships an update every 3 days, and Payoff every 5 months. Most recently, Debt Tracker was updated on November 5, 2026 and Payoff on November 2, 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.*