Comparison

TinyDebt vs Debt Payoff

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

Head to head
About

TinyDebt

Organize credit card debt, personal loans, and mortgages in one place. Choose between the Debt Snowball or Debt Avalanche method to create a clear path to financial freedom. Track your progress and get smart notifications to stay on top of payments.

Highlights
  • Track multiple debt types
  • Debt payoff method selection
  • Progress visualization
  • Manual payment logging
  • Unlimited debt tracking (Pro)
  • Interest saving calculator (Pro)
  • Payment reminders (Pro)
Features
Read full description

Take control of your finances and become debt-free with TinyDebt, the ultimate debt payoff tracker. Stop struggling with complicated spreadsheets. TinyDebt is a simple loan manager designed to help you organize credit card debt, personal loans, and mortgages in one place. Whether you prefer the Debt Snowball or Debt Avalanche method, our payoff planner gives you a clear path to financial freedom. Stay Organized (Free Debt Tracker) - Track Loans: Manage up to 3 debts including credit cards and student loans. - Debt Dashboard: View your total balance and monthly repayment plan at a glance. - Progress Tracking: Log payments manually and watch your debt-free date get closer. Go Pro (Accelerate Your Debt Payoff) Upgrade to TinyDebt Pro for advanced finance tools that help you save money on interest: - Unlimited Debts: Track your entire financial portfolio. - Snowball & Avalanche: Automatically calculate the fastest way to pay off debt. - What-If Calculator: See how extra payments reduce your interest and time. - Payment Reminders: Never miss a due date with smart notifications. Secure & Private Loan Management As a solo developer, I value your privacy. Your financial data stays on your device. TinyDebt is an offline debt tracker—no bank syncing required and no data sharing. Why Choose TinyDebt? Users love our intuitive debt calculator and motivating charts. If you need a clean IOU tracker or a professional debt payoff planner, TinyDebt is the simplest tool on the App Store. Start your journey today. Download the best debt tracker and see how fast you can become debt-free! By using this app, you agree to Apple's Standard End User License Agreement (EULA). You can read the full EULA here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Debt Payoff

Features
Read full description

Take Control of Your Finances with Debt Tracker Debt Tracker is the ultimate app for managing money you owe and money owed to you. Whether you are tracking personal loans, business expenses, or shared costs with friends and family, Debt Tracker helps you stay organized and never miss a payment. Start Your 3-Day Free Trial Today Try all premium features free for 3 days. After your trial, choose a weekly or annual subscription to continue using the app. Key Features: Complete Debt Management Track all your debts in one place. Create detailed records with amounts, counterparties, due dates, and custom notes. Organize by direction (money you owe vs. money owed to you) and mark debts as settled when paid off. Payment History and Tracking Log multiple payments for each debt and see your progress in real-time. Visual progress bars show how much you have paid and what remains. Automatic calculations keep your balances accurate. Installment Planning Plan future payments with scheduled installments. Set amounts, due dates, and get reminders for each installment. When you mark an installment as paid, it automatically creates a payment record. Smart Reminders Never miss a payment deadline. Get notified one day before and on due dates for both debts and individual installments. Customize reminders to stay on top of your financial obligations. Categories and Organization Organize debts into 11 predefined categories including Personal, Business, Family, Friends, Medical, Education, Rent, Utilities, and more. Filter and find debts quickly with category-based organization. Powerful Search Find any debt instantly by searching through titles, counterparties, categories, or notes. Real-time filtering helps you locate what you need in seconds. Statistics and Insights Visualize your financial data with beautiful charts and graphs. See category breakdowns, monthly payment trends, and identify your top counterparties. Filter statistics by time periods to track your financial progress. Summary Dashboard Get a quick overview of your financial situation with summary cards showing total amounts, overdue debts, and active counts. Category breakdowns help you understand where your money is going. Beautiful, Modern Design Enjoy a clean, intuitive interface with smooth animations and haptic feedback. Card-based design makes navigation effortless, and color-coded indicators help you understand your financial status at a glance. Premium Subscription: Debt Tracker Premium unlocks all features including: Unlimited debt tracking Payment history and logging Installment planning Smart reminders Categories and organization Search functionality Statistics and analytics Priority support Subscription Options: Weekly subscription Annual subscription (best value) Free Trial: Start with a 3-day free trial to experience all premium features. No commitment required. Cancel anytime during the trial period. Terms and Privacy: Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Manage your subscriptions in your Apple ID Account Settings. Payment will be charged to your Apple ID account at confirmation of purchase. Privacy Policy: https://debttrackerapp.blogspot.com/p/privacy-policy.html Terms of Service: https://debttrackerapp.blogspot.com/p/terms-of-use-eula-debt-tracker.html Perfect For: Personal finance management Business expense tracking Shared cost tracking with roommates or friends Loan management Bill reminders Financial planning Download Debt Tracker today and take the first step toward better financial organization. Version 1.5.6 highlights: • Refreshed add-debt experience with native Apple controls • Debt payoff planner with monthly budget you save explicitly • Display currency follows your region by default • Clear all data from Settings when you need a fresh start

Screenshots

TinyDebt4 screens
Debt Payoff4 screens

Verdict

The call

The clearest difference is iOS requirement: TinyDebt at 16.4 against Debt Payoff's 18.5. On price, update cadence, ads and in-app purchases 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. TinyDebt sells 3 in-app purchases, starting at $4.99 per month and Debt Payoff sells 2 in-app purchases, starting at $3.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

TinyDebt ships an update every 3 weeks, Debt Payoff monthly. The most recent releases landed on October 11, 2026 and October 17, 2026 respectively.

Scorecard1 real difference · 9 level
TinyDebt versus Debt Payoff: the parameters behind the verdict, then further details
ParameterTinyDebtDebt Payoff
PriceFreeFree
Rating3.5 (2 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings2 — better—
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.4 — better18.5
Further details — not scored
Size77 MB15 MB
Age rating4+4+
DeveloperVladislav SiumbeliYalcin Golayoglu

In-app purchases

3 purchases

TinyDebt

Subscriptions2
  • Monthly3 Days trial$4.991 Month
  • Annual3 Days trial$29.991 Year
One-time1
  • Lifetime$79.99
2 purchases

Debt Payoff

Subscriptions2
  • Debt Tracker Weekly3 Days trial$3.997 Days
  • Debt Tracker Annual7 Days trial$19.991 Year

Questions

Is TinyDebt free?
TinyDebt is free to download, with in-app purchases available.
Is Debt Payoff free?
Debt Payoff is free to download, with in-app purchases available.
Do TinyDebt or Debt Payoff have ads?
Neither TinyDebt nor Debt Payoff shows ads.
Which is updated more often, TinyDebt or Debt Payoff?
TinyDebt ships an update every 3 weeks, and Debt Payoff monthly. Most recently, TinyDebt was updated on October 11, 2026 and Debt Payoff on October 17, 2026.

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