Comparison

ClearDebt vs Debt Payoffs Tracker

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

Head to head
About

ClearDebt

This app helps you track, manage, and eliminate various types of debt. It offers payment reminders, a payoff simulator, and progress visualizations to motivate you towards financial freedom. Premium features include budgeting and advanced analytics.

Highlights
  • Track unlimited debts
  • Smart payment reminders
  • Payoff simulator
  • Progress visualizations
  • Budget integration (Premium)
  • Advanced analytics (Premium)
Features
Read full description

**TAKE CONTROL OF YOUR DEBT JOURNEY** ClearDebt is the most comprehensive debt management app designed to help you track, manage, and eliminate debt faster. Whether you're dealing with credit cards, student loans, mortgages, or personal loans, ClearDebt gives you the tools and insights to achieve financial freedom. **WHY CLEARDEBT?** COMPLETE DEBT TRACKING Track unlimited debts across all categories with full payment history. See your total debt, progress percentage, and estimated payoff date at a glance. Beautiful visualizations keep you motivated every step of the way. NEVER MISS A PAYMENT Smart payment reminders ensure you stay on track and protect your credit score. View all upcoming payments in one organized view, sorted by urgency. Set custom reminder times to match your schedule. PAYOFF SIMULATOR Discover exactly how much time and money you can save with our powerful payoff simulator. Compare different payment strategies side-by-side and find the optimal plan for your financial situation. See real results before making decisions. BEAUTIFUL PROGRESS TRACKING Watch your debt shrink with stunning charts and progress indicators. Celebrate milestones as you hit 25%, 50%, 75%, and finally 100% paid off. Visual motivation that keeps you focused on your goals. BUDGET INTEGRATION (PREMIUM) Track income, expenses, and savings alongside your debt payments for a complete financial picture. Set budgets by category, monitor actual spending, and identify opportunities to accelerate debt payoff. ADVANCED ANALYTICS (PREMIUM) Deep insights into your financial journey with detailed charts showing payment trends, balance reduction over time, and interest savings. Export your data anytime for backup or spreadsheet analysis. **KEY FEATURES** FREE VERSION: • Track debts with full payment history • Beautiful progress visualization with animated charts • Payment reminders and notifications • Payoff simulator with multiple scenarios • Debt-free countdown and milestone celebrations • Interest calculations and savings tracking • Support for all debt types • Secure local data storage • Dark mode support • No account required - complete privacy • Home Screen widget: total debt & next payment at a glance PREMIUM FEATURES: • Unlimited debt tracking • Complete budget management system • Advanced analytics dashboard • Data export (JSON formats) • Ad-free experience **PERFECT FOR** • Anyone working to become debt-free • People juggling multiple debts and payments • Those who want to pay off debt faster and save on interest • Users looking for debt payoff motivation and accountability • Financial goal setters and budget-conscious individuals • Anyone tired of tracking debts in spreadsheets **PRIVACY & SECURITY** Your financial data is important to us. ClearDebt stores all data locally on your device - we don't send your information to external servers. Optional iCloud backup keeps your data secure and synced across your devices. No account creation required means complete privacy. **PAYOFF STRATEGIES** ClearDebt helps you implement proven debt elimination strategies: • Debt Snowball Method - Pay smallest balances first for quick wins • Debt Avalanche Method - Target the highest interest rates to save money • Custom Strategy - Create your own payment plan **START YOUR JOURNEY TODAY** Download ClearDebt now and take the first step toward financial freedom. Your debt-free future is closer than you think! This app uses Apple's standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Debt Payoffs Tracker

Organize your finances and optimize your budget to achieve debt-free living. Track all your loans and bills in one place, with personalized strategies and smart automation for payoff success. Advanced features like an AI advisor and interest savings analyzer are available via subscription.

Highlights
  • Track all loans and bills
  • Personalized debt payoff strategy
  • Snowball or Avalanche planner
  • AI Debt Advisor (subscription)
  • Interest Savings Analyzer (subscription)
  • Refinancing analysis (subscription)
Features
Read full description

Your path to debt-free living starts now. Organize your finances, optimize your budget, and use powerful tools to achieve payoff success. Your Tools for Freedom: - Track Everything: Securely manage all your student loan, mortgage,, medical bills, auto loans and credit balances in one place. You'll never miss a bill or loan payment date. - Personalized Strategy: Use our built-in calculator and repayment scheduling features to see your debt-free date. - Smart Automation: Let the app do the math with the Snowball or Avalanche planner. Advanced Features (Subscription Required) - AI Debt Advisor: Get personalized advice and expert strategies to simplify your payoff plan. - Interest Savings Analyzer: Automatically recalculate how much you can save on interest by making extra payments or changing your repayment strategy. - Refinancing Watch: Analyze potential refinancing savings to see if a lower rate could accelerate your freedom. Subscription Info: Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

ClearDebt4 screens
Debt Payoffs Tracker4 screens

Verdict

The call

The clearest difference is update cadence: Debt Payoffs Tracker at every 5 days against ClearDebt's monthly. Debt Payoffs Tracker also leads on review sentiment (100% vs 83%) and iOS requirement (15.1 vs 17.6). On price, ads, in-app purchases and monetization model 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. ClearDebt sells 1 one-off in-app purchase and Debt Payoffs Tracker sells 3 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

ClearDebt ships an update monthly, Debt Payoffs Tracker every 5 days. The most recent releases landed on September 17, 2026 and September 21, 2026 respectively.

Scorecard3 real differences · 7 level
ClearDebt versus Debt Payoffs Tracker: the parameters behind the verdict, then further details
ParameterClearDebtDebt Payoffs Tracker
PriceFreeFree
Rating3.5 (2 ratings) — better
Positive reviews83.3% of reviews100.0% of reviews — better
Number of ratings2 — better
Update frequencyMonthlyEvery 5 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.615.1 — better
Further details — not scored
Size11 MB25 MB
Age rating4+4+
DeveloperJoshy JosephJosephine Kisiwaa Gyamera

Customer experience

ClearDebt

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews6 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

Debt Payoffs Tracker

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

ClearDebt

One-time1
  • DebtZero Premium$4.99
3 purchases

Debt Payoffs Tracker

Subscriptions3
  • Debtfree Monthly$1.997 Days
  • Debtfree Monthly$3.991 Month
  • DebtFree Annual7 Days trial$19.991 Year

Questions

Is ClearDebt free?
ClearDebt is free to download, with in-app purchases available.
Is Debt Payoffs Tracker free?
Debt Payoffs Tracker is free to download, with in-app purchases available.
Do ClearDebt or Debt Payoffs Tracker have ads?
Neither ClearDebt nor Debt Payoffs Tracker shows ads.
Which is updated more often, ClearDebt or Debt Payoffs Tracker?
ClearDebt ships an update monthly, and Debt Payoffs Tracker every 5 days. Most recently, ClearDebt was updated on September 17, 2026 and Debt Payoffs Tracker on September 21, 2026.

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