# Debt Payoff Planner vs Debt Payoff Planner Plus

The clearest difference is ads: Debt Payoff Planner at none against Debt Payoff Planner Plus's shown. Debt Payoff Planner also leads on update cadence (fortnightly vs every 3 months). Debt Payoff Planner Plus's advantage is iOS requirement (15.1 vs 26.0). On price, in-app purchases and device support 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 Planner Plus sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner ships an update fortnightly, Debt Payoff Planner Plus every 3 months. The most recent releases landed on November 11, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Debt Payoff Planner Plus |
| --- | --- | --- |
| 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** | Yes |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Freemium | — |
| Size | 32 MB | 6 MB |
| Requires iOS | 26.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [Storq Labs BV](https://appshunter.io/developer/1864178327) |

## 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 |


### Debt Payoff Planner Plus

[App page](https://appshunter.io/ios/app/debt-payoff-planner-plus/id6758942155)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $1.99 | 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 Planner Plus free?

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

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

Debt Payoff Planner Plus shows ads; Debt Payoff Planner does not.

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

Debt Payoff Planner ships an update fortnightly, and Debt Payoff Planner Plus every 3 months. Most recently, Debt Payoff Planner was updated on November 11, 2026 and Debt Payoff Planner Plus on November 9, 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.*