# Debt Payoff Planner vs Caply

The clearest difference is in-app purchases: Caply at none against Debt Payoff Planner's 2. Caply also leads on device support (3 vs 1) and iOS requirement (13.0 vs 26.0). Debt Payoff Planner's advantage is update cadence (fortnightly vs every 5 weeks). On price and ads there is nothing between them.

Both are free to download. Debt Payoff Planner sells 2 in-app purchases, starting at $4.99 per month. Caply asks for nothing beyond the download.

Debt Payoff Planner ships an update fortnightly, Caply every 5 weeks. The most recent releases landed on November 11, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Caply |
| --- | --- | --- |
| Price | Free | Free |
| 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 5 weeks |
| Monetization | Freemium | — |
| Size | 32 MB | 19 MB |
| Requires iOS | 26.0 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [DZS Solutions](https://appshunter.io/developer/1543965210) |

## What reviewers say

### Debt Payoff Planner

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

This app helps you manage and pay off debts by tracking loans and credit cards. It offers two popular payoff strategies and provides insights into your progress and estimated debt-free date. Your financial data is kept private and stored only on your device.

**Highlights:** Track loans, credit cards, and mortgages, Compare snowball and avalanche payoff methods, Estimate debt-free date, Log payments and update progress automatically, View principal vs. interest breakdown, Offline functionality, No account or bank connection required

**Features:** iPhone Duo support

**In-app purchases (2)**

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


### Caply

[App page](https://appshunter.io/ios/app/caply-wealth-planner/id6752815338)

**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 Caply free?

Caply is free to download, with no in-app purchases.

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

Neither Debt Payoff Planner nor Caply shows ads.

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

Debt Payoff Planner ships an update fortnightly, and Caply every 5 weeks. Most recently, Debt Payoff Planner was updated on November 11, 2026 and Caply 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.*