# Debt Tracker by UnDebt vs Debt Payoff Planner

The clearest difference is update cadence: Debt Tracker by UnDebt at every 5 days against Debt Payoff Planner's fortnightly. Debt Tracker by UnDebt also leads on iOS requirement (17.0 vs 26.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Debt Tracker by UnDebt sells 2 in-app purchases, starting at $2.99 per month and Debt Payoff Planner sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Tracker by UnDebt ships an update every 5 days, Debt Payoff Planner fortnightly. The most recent releases landed on September 9, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Debt Tracker by UnDebt | Debt Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Fortnightly |
| Monetization | Free with in-app purchases | Freemium |
| Size | 12 MB | 31 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Adam Jessop](https://appshunter.io/developer/1728400867) | [Linas Nutautas](https://appshunter.io/developer/1738774097) |

## What reviewers say

### Debt Tracker by UnDebt

[App page](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488)

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

**Highlights:** Custom debt categories, Interest rate tracking, Track lent and borrowed money, Debt summary and progress tracking, Payment recording, Simple, easy-to-use interface

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $2.99 | per month |
| 12 Month Subscription | $19.99 | per year |


### Debt Payoff Planner

[App page](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524)

Create a personalized plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

**Highlights:** Personalized debt payoff plans, Track loans, credit cards, and mortgages, Compare Snowball, Avalanche, and Cash Flow strategies, Log payments and track progress, Debt-free date countdown, Payment reminders and overdue alerts, Works offline

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Tracker Premium | $4.99 | per month |
| Debt Tracker Premium | $29.99 | per year |


## Frequently asked questions

### Is Debt Tracker by UnDebt free?

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

### Is Debt Payoff Planner free?

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

### Do Debt Tracker by UnDebt or Debt Payoff Planner have ads?

Neither Debt Tracker by UnDebt nor Debt Payoff Planner shows ads.

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

Debt Tracker by UnDebt ships an update every 5 days, and Debt Payoff Planner fortnightly. Most recently, Debt Tracker by UnDebt was updated on September 9, 2026 and Debt Payoff Planner on September 22, 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.*