Comparison

TinyDebt vs Debt Payoff Tracker & Planner

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 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.

Highlights
  • 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
Features
Read full description

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

TinyDebt4 screens
Debt Payoff Tracker & Planner4 screens

Verdict

The call

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

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 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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
TinyDebt versus Debt Payoff Tracker & Planner: the parameters behind the verdict, then further details
ParameterTinyDebtDebt Payoff Tracker & Planner
PriceFreeFree
Rating3.5 (2 ratings)4.9 (8 ratings) — better
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings28 — better
Update frequencyEvery 3 weeksEvery 10 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.4 — better18.0
Further details — not scored
Size77 MB6 MB
Age rating4+4+
DeveloperVladislav SiumbeliAlona Nesterenko

Customer experience

TinyDebt

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Debt Payoff Tracker & Planner

All ratings8 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

TinyDebt

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

Debt Payoff Tracker & Planner

Subscriptions3
  • Weekly Premium$0.997 Days
  • Monthly Premium.$4.991 Month
  • Yearly Premium$9.991 Year
One-time1
  • Lifetime Access$19.99

Questions

Is TinyDebt free?
TinyDebt is free to download, with in-app purchases available.
Is Debt Payoff Tracker & Planner free?
Debt Payoff Tracker & Planner is free to download, with in-app purchases available.
Which has better reviews, TinyDebt or Debt Payoff Tracker & Planner?
Debt Payoff Tracker & Planner is rated higher. TinyDebt averages 3.5 out of 5 from 2 ratings, while Debt Payoff Tracker & Planner averages 4.9 from 8 ratings.
Do TinyDebt or Debt Payoff Tracker & Planner have ads?
Neither TinyDebt nor Debt Payoff Tracker & Planner shows ads.
Which is updated more often, TinyDebt or Debt Payoff Tracker & Planner?
TinyDebt ships an update every 3 weeks, and Debt Payoff Tracker & Planner every 10 days. Most recently, TinyDebt was updated on September 8, 2026 and Debt Payoff Tracker & Planner on September 17, 2026.

Other comparisons