Comparison

PayoffPilot vs Debt Crush

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

Head to head
About

PayoffPilot

This app helps you create a clear plan to become debt-free. It compares the Snowball and Avalanche payoff methods using your actual financial data, tracks your progress, and offers reminders. An optional one-time purchase unlocks advanced simulation and reporting features.

Highlights
  • Debt payoff strategy comparison (Snowball vs. Avalanche)
  • Debt-free date projection
  • Interest savings and time saved calculation
  • Payment logging and balance tracking
  • Milestone celebrations
  • Payment reminders
  • Scenario simulator (Pro feature)
Features
Read full description

Get out of debt with a plan you can actually see. PayoffPilot compares the two proven payoff strategies — Snowball and Avalanche — side by side with your real numbers, shows you exactly when you'll be debt-free, and tracks every payment along the way. NO SUBSCRIPTION. NO ACCOUNT. NO ADS. Your financial data never leaves your phone. Nothing is collected, nothing is shared. The optional Pro upgrade is a single one-time purchase — not another monthly bill (you're here to get rid of those). FREE FOREVER • Track unlimited debts — credit cards, auto loans, student loans, mortgages, and more • Snowball vs. Avalanche comparison with your debt-free date • See interest savings and time saved between methods • Log payments and watch balances fall • Milestones that celebrate real progress • Payment reminders so due dates never sneak up • Face ID / Touch ID app lock • Full dark mode PAYOFFPILOT PRO — PAY ONCE, KEEP IT FOREVER • Scenario Simulator: test extra monthly payments and one-time windfalls before you commit real money • PDF reports: export your full payoff plan to share or print • Complete comparison detail: per-method breakdowns, interest charts, and payoff timelines HOW IT WORKS 1. Add your debts — balance, rate, minimum payment 2. Set your monthly budget 3. Pick your strategy and follow the plan Snowball pays smallest balances first for quick psychological wins. Avalanche pays highest interest first to save the most money. PayoffPilot shows you both — with real dollar amounts — so you choose with your eyes open. Built by an independent developer. No venture capital, no data harvesting, no dark patterns. Just a tool that wants you debt-free.

About

Debt Crush

Features
Read full description

Debt Crush is a focused debt payoff planner for credit cards, loans, and other balances you want to eliminate. Add each debt with its balance, interest rate, and minimum monthly payment. Debt Crush builds a clear payoff plan, estimates your debt-free date, and shows how much interest remains. Use the Debt Snowball strategy to target the smallest balance first, or choose Debt Avalanche to focus on the highest-interest debt first. Try different extra monthly payments to see how many months and how much interest you could save. Track progress over time with total debt, paid-off amount, milestones, and a debt-free countdown. Plus also unlocks unlimited debts, custom payoff order, advanced forecasting, and payment tracking tools. Debt Crush is built for people who want a simple, motivating plan instead of a complicated spreadsheet. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://humi.dev/posts/deptcrush-privacy/

Screenshots

PayoffPilot4 screens
Debt Crush4 screens

Verdict

The call

The clearest difference is iOS requirement: PayoffPilot at 17.6 against Debt Crush's 26.2. 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. PayoffPilot sells 1 one-off in-app purchase and Debt Crush sells 1 in-app purchase, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

PayoffPilot ships an update every 2 weeks, Debt Crush weekly. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 8 level
PayoffPilot versus Debt Crush: the parameters behind the verdict, then further details
ParameterPayoffPilotDebt Crush
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 2 weeksWeekly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.6 — better26.2
Further details — not scored
Size3 MB8 MB
Age rating4+4+
DeveloperRaul PenaSebastian Humann

In-app purchases

1 purchases

PayoffPilot

One-time1
  • PayoffPilot Pro$6.99
1 purchases

Debt Crush

Subscriptions1
  • Debt Crush Premium$1.991 Month

Questions

Is PayoffPilot free?
PayoffPilot is free to download, with in-app purchases available.
Is Debt Crush free?
Debt Crush is free to download, with in-app purchases available.
Do PayoffPilot or Debt Crush have ads?
Neither PayoffPilot nor Debt Crush shows ads.
Which is updated more often, PayoffPilot or Debt Crush?
PayoffPilot ships an update every 2 weeks, and Debt Crush weekly. Most recently, PayoffPilot was updated on October 30, 2026 and Debt Crush on October 31, 2026.

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