# Debt Payoff Planner vs Debt Tracker

The clearest difference is review sentiment: Debt Tracker at 50% against Debt Payoff Planner's 0%. Debt Tracker also leads on iOS requirement (17.6 vs 26.0). Debt Payoff Planner's advantage is rating (5.0 vs 1.0) and ads (none vs shown). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

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

Debt Payoff Planner holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews complicate that: 0% of Debt Payoff Planner's written reviews are positive against 50% of Debt Tracker's, so the app with the better star average is not the one people write more warmly about.

Debt Payoff Planner ships an update fortnightly, Debt Tracker every 4 weeks. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | 0.0% of reviews | **50.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Every 4 weeks |
| Monetization | Freemium | Free with in-app purchases |
| Size | 32 MB | 7 MB |
| Requires iOS | 26.0 | **17.6** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [Paul Fraser](https://appshunter.io/developer/482131297) |

## What reviewers say

### 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 |


### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952)

Manage and track multiple debts, including credit cards and loans. Visualize your repayment progress with clear indicators and receive monthly summaries to stay motivated and organized on your journey to becoming debt-free.

**Highlights:** Track multiple debt accounts, Manage credit cards, loans, and personal borrowing, Visualize repayment progress with percentage bars, View paid and remaining balances, Add monthly payment details and due dates, Receive simple monthly payment summaries, Stay motivated with progress-based messages

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Balance Due Pro | $2.99 | per month |
| Balance Due 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 Debt Tracker free?

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

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

Debt Payoff Planner is rated higher. Debt Payoff Planner averages 5.0 out of 5 from 1 ratings, while Debt Tracker averages 1.0 from 1 ratings.

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

Debt Tracker shows ads; Debt Payoff Planner does not.

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

Debt Payoff Planner ships an update fortnightly, and Debt Tracker every 4 weeks. Most recently, Debt Payoff Planner was updated on October 24, 2026 and Debt Tracker on October 28, 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.*