# Debt Payoff Planner vs Spot Bot

The clearest difference is review sentiment: Spot Bot at 100% against Debt Payoff Planner's 0%. Spot Bot also leads on in-app purchases (none vs 2) and device support (3 vs 1). On price, 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. Spot Bot asks for nothing beyond the download.

Debt Payoff Planner ships an update fortnightly, Spot Bot every 2 weeks. The most recent releases landed on September 25, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Spot Bot |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | Freemium | **Free** |
| Size | 31 MB | 7 MB |
| Requires iOS | 26.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [Oliver's Bullion Ltd](https://appshunter.io/developer/6777674480) |

## 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 |


### Spot Bot

[App page](https://appshunter.io/ios/app/spot-bot/id6777674478)

Instantly value precious metals by entering weight and purity. Track your collection's worth and profit/loss in real-time. Access historical prices, set alerts, and utilize dealer tools.

**Highlights:** Live spot price calculator, Portfolio tracking with profit/loss, Historical price charts, Price alerts, Home screen widgets, Dealer tools

**Features:** macOS Compatibility, Apple Watch app, 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 Spot Bot free?

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

### Do Debt Payoff Planner or Spot Bot have ads?

Neither Debt Payoff Planner nor Spot Bot shows ads.

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

Debt Payoff Planner ships an update fortnightly, and Spot Bot every 2 weeks. Most recently, Debt Payoff Planner was updated on September 25, 2026 and Spot Bot on September 23, 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.*