# Debt Payoff Planner vs Debt Payoff Tracker

The clearest difference is iOS requirement: Debt Payoff Tracker at 17.0 against Debt Payoff Planner's 26.0. On price, update cadence, ads 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 Payoff Tracker sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner ships an update fortnightly, Debt Payoff Tracker every 10 days. Both last shipped on October 30, 2026.

## The numbers

| Metric | Debt Payoff Planner | Debt Payoff Tracker |
| --- | --- | --- |
| 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 | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Freemium | — |
| Size | 32 MB | 14 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [Musku Akshay Reddy](https://appshunter.io/developer/1827983014) |

## 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 Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-debtfree/id6755614652)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $1.99 | per month |
| Annual Premium | $9.99 | per year |
| Premium Lifetime | $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 Payoff Tracker free?

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

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

Neither Debt Payoff Planner nor Debt Payoff Tracker shows ads.

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

Debt Payoff Planner ships an update fortnightly, and Debt Payoff Tracker every 10 days. Most recently, Debt Payoff Planner was updated on October 30, 2026 and Debt Payoff Tracker on October 30, 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.*