TinyDebt vs Debt Payoff Tracker & Planner
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track multiple debt types
- Debt payoff method selection
- Progress visualization
- Manual payment logging
- Unlimited debt tracking (Pro)
- Interest saving calculator (Pro)
- Payment reminders (Pro)
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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/
Debt Payoff Tracker & Planner
This app helps you manage and pay off your debts faster using proven strategies. Track all your debts, visualize your progress, and receive payment reminders to achieve financial freedom.
- Four payoff strategies (Snowball, Avalanche, Credit Score Focus, Custom)
- Real-time debt-free date calculator
- What-if calculator for extra payments
- Track unlimited debts (with premium)
- Multi-currency support
- Payment history and breakdown
- Payment reminders
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Debt Payoff Tracker brings your credit cards, loans, payments, and due dates into one place. Record what you actually pay and see your payoff projection update as balances change. FOUR PAYOFF STRATEGIES • Debt Snowball — Start with the smallest balances • Debt Avalanche — Prioritize the highest interest rates • Credit Score Focus — Target higher-utilization cards • Custom Order — Arrange debts your way WHAT-IF CALCULATOR Try different extra-payment amounts and compare estimated months saved, potential interest savings, and total payoff time. TRACK YOUR DEBTS Add credit cards, student loans, auto loans, mortgages, personal loans, medical bills, and other balances. PAYMENT HISTORY Record payments, view principal and interest breakdowns, and add notes. PAYMENT SCHEDULE View a month-by-month projection of payments, balances, interest, and estimated payoff timing. BUDGET SUMMARY Compare your monthly income with planned debt payments and see how much remains. REMINDERS, PRIVACY & SECURITY • Customizable payment reminders • App Lock with Face ID, Touch ID, or Passcode • No bank connection or app account required OPTIONAL ICLOUD SYNC Keep your debts, payments, and payoff plan synced across your iPhone, iPad, and Mac when iCloud Sync is enabled. CREDIT UTILIZATION Track overall and card-level utilization with simple status indicators. 9 CURRENCIES USD, EUR, GBP, CHF, CNY, CAD, AUD, JPY, and SAR. PREMIUM The free version allows one debt. Upgrade to Premium to track unlimited debts. Terms of Use - https://pipsapps.com/terms.html Privacy Policy - https://pipsapps.com/privacy.html
Screenshots
Verdict
The clearest difference is review sentiment: Debt Payoff Tracker & Planner at 100% against TinyDebt's 50%. Debt Payoff Tracker & Planner also leads on rating (4.9 vs 3.5) and ratings volume (8 vs 2). TinyDebt's advantage is iOS requirement (16.4 vs 18.0). 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
Both are free to download. TinyDebt sells 3 in-app purchases, starting at $4.99 per month and Debt Payoff Tracker & Planner sells 4 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.
Debt Payoff Tracker & Planner holds the better App Store score, 4.9 against 3.5. Both are backed by a comparable volume of ratings — 2 and 8 respectively. Written reviews point the same way: 50% of TinyDebt's written reviews are positive against 100% of Debt Payoff Tracker & Planner's.
TinyDebt ships an update every 3 weeks, Debt Payoff Tracker & Planner every 10 days. The most recent releases landed on September 8, 2026 and September 17, 2026 respectively.
| Parameter | TinyDebt | Debt Payoff Tracker & Planner |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (2 ratings) | 4.9 (8 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 2 | 8 — better |
| Update frequency | Every 3 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.4 — better | 18.0 |
| Further details — not scored | ||
| Size | 77 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Vladislav Siumbeli | Alona Nesterenko |
Customer experience
TinyDebt
Debt Payoff Tracker & Planner
In-app purchases
TinyDebt
- Monthly3 Days trial$4.991 Month
- Annual3 Days trial$29.991 Year
- Lifetime$79.99
Debt Payoff Tracker & Planner
- Weekly Premium$0.997 Days
- Monthly Premium.$4.991 Month
- Yearly Premium$9.991 Year
- Lifetime Access$19.99
Questions
Is TinyDebt free?
Is Debt Payoff Tracker & Planner free?
Which has better reviews, TinyDebt or Debt Payoff Tracker & Planner?
Do TinyDebt or Debt Payoff Tracker & Planner have ads?
Which is updated more often, TinyDebt or Debt Payoff Tracker & Planner?
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