# Debt Magic vs Debt Payoff Tracker & Planner*

The clearest difference is in-app purchases: Debt Magic at none against Debt Payoff Tracker & Planner*'s 1. Debt Magic also leads on ads (none vs shown) and ratings volume (20 vs 3). Debt Payoff Tracker & Planner*'s advantage is rating (5.0 vs 4.8) and device support (3 vs 1). On price and update cadence there is nothing between them.

Both are free to download. Debt Payoff Tracker & Planner* sells 1 one-off in-app purchase. Debt Magic asks for nothing beyond the download.

Debt Payoff Tracker & Planner* holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Magic has 20 ratings behind it against 3, so its average is the more settled of the two.

Debt Magic ships an update weekly, Debt Payoff Tracker & Planner* every 10 days. The most recent releases landed on November 5, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Debt Magic | Debt Payoff Tracker & Planner* |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (20 ratings)](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6759447205/reviews)** |
| Number of ratings | **20** | 3 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Every 10 days |
| Monetization | **Free** | Free with in-app purchases |
| Size | 33 MB | 71 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Changed Inc.](https://appshunter.io/developer/1164559382) | [Ashvin Kevadiya](https://appshunter.io/developer/1756324971) |

## What reviewers say

### Debt Magic

[App page](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437)

This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.

**Highlights:** Debt payoff calculator, Compare Snowball vs. Avalanche methods, Visualize extra payment impact, Track principal vs. interest, Consolidate all debt types

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

**In-app purchases:** none


### Debt Payoff Tracker & Planner*

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6759447205)

This app helps you create a personalized plan to eliminate your debts faster. It offers various payoff strategies and tracks your progress with visual charts and motivational tools. Manage all types of loans and see how extra payments can save you interest.

**Highlights:** Personalized debt payoff plan creation, Multiple payoff strategies (Snowball, Avalanche, Snowflake), Projected debt-free date calculation, Total interest saved estimation, Progress tracking with visual charts, Management of various debt types

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Lifetime Premium | $9.99 | one-time |


## Frequently asked questions

### Is Debt Magic free?

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

### Is Debt Payoff Tracker & Planner* free?

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

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

Debt Payoff Tracker & Planner* is rated higher. Debt Magic averages 4.8 out of 5 from 20 ratings, while Debt Payoff Tracker & Planner* averages 5.0 from 3 ratings.

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

Debt Payoff Tracker & Planner* shows ads; Debt Magic does not.

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

Debt Magic ships an update weekly, and Debt Payoff Tracker & Planner* every 10 days. Most recently, Debt Magic was updated on November 5, 2026 and Debt Payoff Tracker & Planner* on November 6, 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.*