# Debt Payoff Planner vs Debt Payoff Tracker & Planner

Debt Payoff Planner and Debt Payoff Tracker & Planner both sit at 5.0 stars, but that hides the real split: 100% of Debt Payoff Tracker & Planner's written reviews are positive against 0% of Debt Payoff Planner's. Debt Payoff Tracker & Planner also leads on ratings volume (11 vs 1) and iOS requirement (18.0 vs 26.0). On price, rating, update cadence 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 and Debt Payoff Tracker & Planner sells 4 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Debt Payoff Planner against 5.0 for Debt Payoff Tracker & Planner. That said, the two scores are not equally well evidenced: Debt Payoff Tracker & Planner has 11 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 0% of Debt Payoff Planner's written reviews are positive against 100% of Debt Payoff Tracker & Planner's.

Debt Payoff Planner ships an update fortnightly, Debt Payoff Tracker & Planner every 10 days. The most recent releases landed on October 24, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Debt Payoff Tracker & Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews) | [5.0 (11 ratings)](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474/reviews) |
| Number of ratings | 1 | **11** |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 32 MB | 5 MB |
| Requires iOS | 26.0 | **18.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [Alona Nesterenko](https://appshunter.io/developer/1890650834) |

## 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 & Planner

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474)

This app helps you manage and pay off your debts faster using proven strategies. Track all your debts, visualize your progress, and receive payment reminders to achieve financial freedom.

**Highlights:** Four payoff strategies (Snowball, Avalanche, Credit Score Focus, Custom), Real-time debt-free date calculator, What-if calculator for extra payments, Track unlimited debts (with premium), Multi-currency support, Payment history and breakdown, Payment reminders

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Premium | $0.99 | per 7 days |
| Monthly Premium. | $4.99 | per month |
| Yearly Premium | $9.99 | per year |
| Lifetime Access | $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 & Planner free?

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

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

Debt Payoff Planner and Debt Payoff Tracker & Planner are both rated 5.0 out of 5 on the App Store, from 1 and 11 ratings respectively.

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

Neither Debt Payoff Planner nor Debt Payoff Tracker & Planner shows ads.

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

Debt Payoff Planner ships an update fortnightly, and Debt Payoff Tracker & Planner every 10 days. Most recently, Debt Payoff Planner was updated on October 24, 2026 and Debt Payoff Tracker & Planner on October 19, 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.*