Comparison

Debt Payoff vs Spent

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

Head to head
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: β€’ Refreshed add-debt experience with native Apple controls β€’ Debt payoff planner with monthly budget you save explicitly β€’ Display currency follows your region by default β€’ Clear all data from Settings when you need a fresh start

About

Spent

Features
Read full description

Spent - Your Smart Subscription Manager Never lose track of your subscriptions again. Spent is the ultimate tool for managing recurring expenses and discovering savings opportunities. Try Spent Pro free β€” up to 7 days, no charge. After your free trial: $4.99/month or $39.99/year (billed annually). Cancel anytime in your App Store Account Settings. Spent Pro includes everything: β€’ Unlimited Subscription Tracking β€” Add Netflix, Spotify, iCloud, and more β€’ Daily Cost Calculator β€” See exactly what each subscription costs per day β€’ Advanced Spending Analytics β€” Beautiful charts reveal your spending patterns β€’ Smart Renewal Reminders β€” Get notified before every renewal date β€’ AI Spending Optimization β€” Identify waste and find savings automatically β€’ iCloud Sync β€” Access your data securely across all your devices β€’ Data Export β€” Export to CSV or PDF anytime β€’ Multi-Currency Support β€” USD, EUR, JPY, CNY, and more β€’ Dark Mode β€” Easy on your eyes, day or night Why Spent? Most people spend $200–500/month on subscriptions without realizing it. Spent helps you: - Identify unused subscriptions you forgot about - Visualize your monthly and annual spending - Forecast future costs before they hit - Make informed decisions about every renewal - Save hundreds of dollars per year Privacy First: - All data stays on YOUR device - iCloud Sync uses your own private Apple account - No ads, no third-party tracking, no data collection - Export or delete your data at any time Perfect For: - Streaming services (Netflix, Spotify, YouTube Premium, Disney+) - SaaS tools (Adobe Creative Cloud, Microsoft 365, Notion) - Cloud storage (iCloud, Dropbox, Google One) - Gym memberships and fitness apps - Any recurring payment Download Spent today and take control of your subscriptions! Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Any unused portion of a free trial will be forfeited upon purchase of a subscription. Terms of Use: https://www.kanverse.app/spent/terms Privacy Policy: https://www.kanverse.app/spent/privacy

Screenshots

Debt Payoff4 screens
Spent4 screens

Verdict

The call

Debt Payoff and Spent are too close to call on the numbers: across 5 compared parameters β€” price, ads, in-app purchases and device support among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Debt Payoff sells 3 in-app purchases, starting at $4.99 per 7 days and Spent sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ScorecardNo meaningful differences
Debt Payoff versus Spent: the parameters behind the verdict, then further details
ParameterDebt PayoffSpent
PriceFreeFree
Update frequencyMonthlyβ€”
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.517.6 β€” better
Further details β€” not scored
Size15 MB6 MB
Age rating4+4+
DeveloperYalcin GolayogluδΎƒ ι‚΅

In-app purchases

3 purchases

Debt Payoff

Subscriptions2
  • Debt Tracker Weekly3 Days trial$4.997 Days
  • Debt Tracker Annual7 Days trial$19.991 Year
One-time1
  • Lifetime Purchase$29.99
2 purchases

Spent

Subscriptions2
  • Spent Pro Monthly$4.991 Month
  • Spent Pro Yearly$39.991 Year

Questions

Is Debt Payoff free?
Debt Payoff is free to download, with in-app purchases available.
Is Spent free?
Spent is free to download, with in-app purchases available.
Do Debt Payoff or Spent have ads?
Neither Debt Payoff nor Spent shows ads.

Other comparisons