# Ramsey Network vs Debt Payoff Planner & Tracker

The clearest difference is ads: Ramsey Network at none against Debt Payoff Planner & Tracker's shown. Ramsey Network also leads on update cadence (fortnightly vs every 2 months) and ratings volume (25K vs 7.4K). Debt Payoff Planner & Tracker's advantage is chart position (#73 vs unranked). On price, rating, review sentiment and in-app purchases there is nothing between them.

Both are free to download. Ramsey Network sells 23 one-off in-app purchases and Debt Payoff Planner & Tracker sells 5 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

Ramsey Network holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 25K and 7.4K respectively. Written reviews complicate that: 60% of Ramsey Network's written reviews are positive against 63% of Debt Payoff Planner & Tracker's, so the app with the better star average is not the one people write more warmly about.

Ramsey Network ships an update fortnightly, Debt Payoff Planner & Tracker every 2 months. The most recent releases landed on October 30, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | Ramsey Network | Debt Payoff Planner & Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (25K ratings)](https://appshunter.io/ios/app/ramsey-network/id675135060/reviews)** | [4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) |
| Number of ratings | **25K** | 7.4K |
| Positive reviews | 59.6% of reviews | **63.2% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | — | **#73** |
| Size | 51 MB | 8 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 12+ | 4+ |
| Developer | [The Lampo Group Incorporated](https://appshunter.io/developer/380709890) | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) |

## What reviewers say

### Ramsey Network

[App page](https://appshunter.io/ios/app/ramsey-network/id675135060)

Access a wealth of financial advice and motivational content from Ramsey personalities. Listen to podcasts, audiobooks, and find answers to your money questions with AI-powered search. Stay focused on your financial goals with easy offline listening and topic-based browsing.

**Highlights:** Offline episode downloads, Browse content by topic, In-app audiobook listening, AI-powered question search, Access to multiple Ramsey shows

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

**In-app purchases (23)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Redefining Anxiety | $10.00 | one-time |
| High-Performance Achievement | $14.99 | one-time |
| Rhinoceros Success | $16.99 | one-time |
| EntreLeadership | $17.99 | one-time |
| Gazelles, Baby Steps & 37 ... | $19.99 | one-time |
| Quitter | $19.99 | one-time |
| The Proximity Principle | $19.99 | one-time |
| Love Your Life, Not Theirs | $19.99 | one-time |
| Build A Business You Love | $19.99 | one-time |
| Own Your Past, Change Your F.. | $19.99 | one-time |
| From Paycheck To Purpose | $19.99 | one-time |
| Baby Steps Millionaires | $19.99 | one-time |
| Breaking Free From Broke | $19.99 | one-time |
| Building A Non-Anxious Life | $19.99 | one-time |
| Total Money Makeover 20th | $19.99 | one-time |
| Know Yourself, Know Your Money | $19.99 | one-time |
| Smart Money Smart Kids | $19.99 | one-time |
| Money is Not a Math Problem | $19.99 | one-time |
| The Legacy Journey | $20.00 | one-time |
| What No One Tells You About Money | $24.99 | one-time |
| The Total Money Makeover | $28.99 | one-time |
| Get Clear Assessment: Student | $34.99 | one-time |
| Get Clear Assessment: Find ... | $34.99 | one-time |

**What reviewers like**

- 👍 Great content and easy to use
- 🚀 Awesome practical advice
- 💡 Life-changing information
- 👍 Helpful to stay motivated
- 👍 Provides financial peace

**What reviewers complain about**

- 🐛 App can be slow to open
- 🐛 Audio playback issues
- 🐛 Disconnected device controls
- 🐛 Lack of episode progress tracking
- 🐛 Audiobooks not downloadable

**Reported bugs**

- Feedback button leads to error
- Login screen timeouts
- Inconsistent audio/video sync

**Requested features**

- Landscape mode support
- Episode search and navigation
- Offline audio playback
- Reverse chronological episode order


### Debt Payoff Planner & Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715)

**Currently charting:** #73 Top Grossing · Finance (US App Store)

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

**Highlights:** Customized debt repayment schedule, Debt Snowball payoff strategy, Debt Avalanche payoff strategy, Debt Snowflake payoff strategy, Track loan payments, Budget additional payments, View payoff scenarios

**Features:** Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Subscription | $6.99 | per month |
| Friends and Family 1 Month | $10.49 | per month |
| 3 Month Subscription | $13.99 | per 3 months |
| 12 Month Subscription | $27.99 | per year |
| Friends and Family 12 Months | $41.99 | per year |

**What reviewers like**

- 💯 Excellent debt tracking and planning
- 🔍 Detailed debt breakdown and payoff timeline
- 🎯 Helps stay motivated and on track
- 👍 Simple and easy to use interface
- 🤑 Affordable premium subscription

**What reviewers complain about**

- 🐛 Occasional app crashes and stability issues
- 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
- 💰 Frustration with premium-only features
- 🔢 Difficulty making changes to existing debt entries
- 💸 Concerns about recurring subscription costs

**Reported bugs**

- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates

**Requested features**

- Add ability to track recurring income and expenses
- Implement biweekly or weekly payment options
- Improve flexibility for editing debt details
- Provide option to export data and reports
- Add support for multiple currencies


## Frequently asked questions

### Is Ramsey Network free?

Ramsey Network is free to download, with in-app purchases available.

### Is Debt Payoff Planner & Tracker free?

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

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

Ramsey Network is rated higher. Ramsey Network averages 4.9 out of 5 from 25K ratings, while Debt Payoff Planner & Tracker averages 4.7 from 7.4K ratings.

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

Debt Payoff Planner & Tracker shows ads; Ramsey Network does not.

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

Ramsey Network ships an update fortnightly, and Debt Payoff Planner & Tracker every 2 months. Most recently, Ramsey Network was updated on October 30, 2026 and Debt Payoff Planner & Tracker on October 29, 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.*