Comparison

Debt Payoffs Tracker vs Debt Payoff Planner Plus

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

Head to head
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/

About

Debt Payoff Planner Plus

Features
Read full description

Take control of your debt and see a clear path forward. Organize everything in one place, choose a proven payoff strategy, and watch your debt-free date move closer in real time. Build momentum, stay consistent, and become debt-free faster. Debt Payoff Planner is a simple, privacy-first debt tracker and payoff calculator built for real life. No bank linking. No sign-up required. Just clear numbers, smart plans, and progress you can feel. WHY PEOPLE USE DEBT PAYOFF PLANNER Ā· See all credit cards, loans, and bills in one clean dashboard Ā· Know exactly which debt to pay first Ā· Test extra payments and instantly see your new payoff date Ā· Stop missing due dates with smart reminders Ā· Stay motivated with visible wins and milestones CORE FEATURES Ā· Fast setup with no account required Ā· Add unlimited debts including credit cards, personal loans, auto, medical, student loans, mortgage, and more Ā· Snowball and Avalanche strategies with side-by-side comparison Ā· Real-time what-if simulator with extra payment slider Ā· Month-by-month payment schedule for every debt Ā· Progress dashboard showing total paid, interest avoided, and time remaining Ā· Payment logging and upcoming due date reminders Ā· Works offline with all calculations on your device Ā· Multi-currency support for global users DESIGNED FOR REAL LIFE Whether you are paying minimums, adding a little extra each month, or dealing with uneven income, Debt Payoff Planner adapts to your situation. Adjust anytime and instantly see the impact. PRIVATE AND TRUSTWORTHY Ā· No bank connections Ā· No sensitive financial syncing Ā· Your data stays on your device Ā· No account, cloud backup, or remote sync FREE TO USE All core features are free. Remove ads anytime with a small one-time purchase. No subscriptions. No locked essentials. If you are ready to stop guessing and start making progress, download Debt Payoff Planner today and take the first step toward being debt-free.

Screenshots

Debt Payoffs Tracker4 screens
Debt Payoff Planner Plus4 screens

Verdict

The call

The clearest difference is ads: Debt Payoffs Tracker at none against Debt Payoff Planner Plus's shown. Debt Payoffs Tracker also leads on update cadence (every 5 days vs every 3 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

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

Both are free to download. Debt Payoffs Tracker sells 3 in-app purchases, starting at $1.99 per 7 days and Debt Payoff Planner Plus sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Debt Payoffs Tracker ships an update every 5 days, Debt Payoff Planner Plus every 3 months. The most recent releases landed on September 21, 2026 and September 10, 2026 respectively.

Scorecard2 real differences Ā· 6 level
Debt Payoffs Tracker versus Debt Payoff Planner Plus: the parameters behind the verdict, then further details
ParameterDebt Payoffs TrackerDebt Payoff Planner Plus
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 5 days — betterEvery 3 months
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size25 MB6 MB
Age rating4+4+
DeveloperJosephine Kisiwaa GyameraStorq Labs BV

In-app purchases

3 purchases

Debt Payoffs Tracker

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

Debt Payoff Planner Plus

One-time1
  • Remove Ads$1.99

Questions

Is Debt Payoffs Tracker free?
Debt Payoffs Tracker is free to download, with in-app purchases available.
Is Debt Payoff Planner Plus free?
Debt Payoff Planner Plus is free to download, with in-app purchases available.
Do Debt Payoffs Tracker or Debt Payoff Planner Plus have ads?
Debt Payoff Planner Plus shows ads; Debt Payoffs Tracker does not.
Which is updated more often, Debt Payoffs Tracker or Debt Payoff Planner Plus?
Debt Payoffs Tracker ships an update every 5 days, and Debt Payoff Planner Plus every 3 months. Most recently, Debt Payoffs Tracker was updated on September 21, 2026 and Debt Payoff Planner Plus on September 10, 2026.

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