Comparison

Debt Payoff Planner vs Check List

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Payoff Planner

This app helps you manage credit cards and pay off debt faster. It intelligently allocates your income across cards based on balances, limits, and interest rates, providing visual progress tracking and reminders.

Highlights
  • Smart debt allocation engine
  • Visual progress tracking with charts
  • Card limit, rate, and payment management
  • Payment history timeline
  • Upcoming expense tracking
  • Payday reminders
Read full description

MagicDebt — Built to Help You Get Out of Debt MagicDebt is the simple, intelligent way to take control of your credit cards and pay them off faster — one paycheck at a time. Pay Smarter, Not Harder MagicDebt shows you exactly how much to pay on each card every payday. Its smart allocation engine helps you divide your income across all your cards based on your balances, limits, and interest rates — so you can make real progress without guesswork. Automated Motivation Stay on track with interactive charts, trends, and widgets that visualize your debt payoff progress. See how your last payment stacks up with color-coded trends and pie charts that make your financial journey feel tangible and rewarding. All-in-One Simplicity Add your cards once — MagicDebt remembers your limits, rates, and payments. View your payment history in a clean, calendar-style timeline. Tap to mark payments as submitted or confirmed. Track upcoming expenses and distributions effortlessly. Get reminded when it’s payday and ready to distribute. Privacy-First & Vision-Smart MagicDebt never shares your financial data. Personal Progress, Made Visual From interactive pie charts to pay-cycle graphs, MagicDebt turns your debt reduction journey into a clear, motivating picture. Zoom, swipe, or tap to explore your progress — every dollar toward freedom is visible. Built-In Accountability MagicDebt meets you where you are. Whether you’re managing $1,000 or $10,000 in debt, it helps you plan with clarity, not shame. MagicDebt requires subscription or in app purchase to access the distribution planning and purchases tracking. EULA: http://www.apple.com/legal/itunes/appstore/dev/stdeula Privacy: https://privacy.logicalmagic.tech/

About

Check List

Features
Read full description

Fewer "oops" moments. A checklist you can reset and reuse. "Did I lock the door?" "Did I turn off the AC?" "Did I finish my homework?" Ever gotten halfway down the street and had to turn back? For the things you do every day, stop trying to remember. Let a list do it. Check, reset, repeat. That's all it takes to stop the daily slip-ups. This isn't a to-do list that disappears when you're done. It's a checklist you can reset and use again and again. No account needed. WHEN IT HELPS - Before you head out: Wallet, phone, keys. Check your must-haves at a glance before you step outside. - Locking up: Window locks, the gas valve, the iron's plug. Check before you go, and stop worrying once you're out. - Trips and business travel: Packing is easy when you reuse a list you've already made. Done in minutes. - School and work: Check the night before, and start the day without forgetting a thing. KEY FEATURES - One-tap checking: Tap to check off items in just a few moments before you leave. - Completion stamp: Check everything and a big stamp appears, so you can see that you've covered it all. - Reset all: Clear every check with one button and get ready for the next day. - Easy editing: Swipe left to edit or delete, press and hold to reorder. - Multiple lists: Keep separate lists for work, home, travel and more. Pro (one-time in-app purchase) - Unlimited checklists and items - Import and export lists (for backups, moving to a new phone, or sharing) - No ads Start with three things you grab every morning. Tomorrow, "Did I…?" becomes "Checked."

Screenshots

Debt Payoff Planner4 screens
Check List4 screens

Verdict

The call

The clearest difference is ads: Debt Payoff Planner at none against Check List's shown. Debt Payoff Planner also leads on update cadence (every 5 weeks vs every 5 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Payoff Planner sells 3 in-app purchases, starting at $3.99 per month and Check List sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Debt Payoff Planner ships an update every 5 weeks, Check List every 5 months. Both last shipped on October 30, 2026.

Scorecard2 real differences · 8 level
Debt Payoff Planner versus Check List: the parameters behind the verdict, then further details
ParameterDebt Payoff PlannerCheck List
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 5 weeks — betterEvery 5 months
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone
Requires iOS1817.6 — better
Further details — not scored
Size5 MB5 MB
Age rating4+4+
DeveloperLogical Magic Inchirokazu murabe

In-app purchases

3 purchases

Debt Payoff Planner

Subscriptions2
  • Pro Monthly1 Month trial$3.991 Month
  • Pro Yearly3 Days trial$19.991 Year
One-time1
  • Lifetime Pro$44.99
1 purchases

Check List

One-time1
  • Pro Version$1.99

Questions

Is Debt Payoff Planner free?
Debt Payoff Planner is free to download, with in-app purchases available.
Is Check List free?
Check List is free to download, with in-app purchases available.
Do Debt Payoff Planner or Check List have ads?
Check List shows ads; Debt Payoff Planner does not.
Which is updated more often, Debt Payoff Planner or Check List?
Debt Payoff Planner ships an update every 5 weeks, and Check List every 5 months. Most recently, Debt Payoff Planner was updated on October 30, 2026 and Check List on October 30, 2026.

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