# Debt Payoff Planner vs Budget Trac

The clearest difference is price: Debt Payoff Planner at Free against Budget Trac's $0.99. Debt Payoff Planner also leads on update cadence (fortnightly vs every 7 months). Budget Trac's advantage is in-app purchases (none vs 2) and device support (3 vs 1). On ads there is nothing between them.

Debt Payoff Planner is free to download; Budget Trac costs $0.99 up front. Debt Payoff Planner sells 2 in-app purchases, starting at $4.99 per month. Budget Trac asks for nothing beyond the download.

Debt Payoff Planner ships an update fortnightly, Budget Trac every 7 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | Debt Payoff Planner | Budget Trac |
| --- | --- | --- |
| Price | **Free** | $0.99 |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 7 months |
| Monetization | Freemium | — |
| Size | 32 MB | 33 MB |
| Requires iOS | 26.0 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [Dwayne Woodson](https://appshunter.io/developer/1832615088) |

## 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 |


### Budget Trac

[App page](https://appshunter.io/ios/app/budget-trac/id6751130488)

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Payoff Planner free?

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

### Is Budget Trac free?

Budget Trac costs $0.99, with no in-app purchases.

### Do Debt Payoff Planner or Budget Trac have ads?

Neither Debt Payoff Planner nor Budget Trac shows ads.

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

Debt Payoff Planner ships an update fortnightly, and Budget Trac every 7 months. Most recently, Debt Payoff Planner was updated on October 24, 2026 and Budget Trac on October 24, 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.*