Comparison

Debt Payoff Tracker & Planner 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

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

About

Debt Payoff Tracker & Planner*

Features
Read full description

Take Control of Your Debt. Build a Plan. Stay Motivated. Become Debt-Free. Debt Payoff Planner & Tracker helps you stop guessing and start following a clear, step-by-step strategy to eliminate loans faster. Whether you’re paying off credit cards, student loans, auto loans, or personal debt — this app gives you a structured plan and keeps you motivated until the final payment. Today is the perfect day to start your debt-free journey. Create Your Personalized Payoff Plan Simply enter: - Current loan balance - Interest rate (APR) - Minimum monthly payment Add your extra monthly budget, and the app instantly calculates: - Your projected debt-free date - A customized repayment schedule - Total interest saved - Side-by-side payoff comparison See how paying more than the minimum dramatically reduces your timeline. Choose Your Payoff Strategy Pick the method that fits your personality and goals: - Debt Snowball – Pay smallest balances first for quick wins - Debt Avalanche – Pay highest interest rates first to save more - Debt Snowflake – Apply one-time extra payments anytime - Custom Strategy – Create your own personalized order The app shows you the smartest way to allocate every dollar. Track Progress & Stay Motivated - Record payments easily - Update balances anytime - Visual payoff charts - Compare minimum vs accelerated payoff - Monitor your progress over time Manage All Types of Debt Organize and track: - Credit Cards - Student Loans - Auto / Car Loans - Mortgages - Medical Bills - Personal Loans - Tax Debt - Other custom categories Everything in one simple dashboard. Why Users Love It - Clean, simple interface - Fast loan calculator - Smart payoff comparisons - Motivational progress tracking - Flexible payment options Becoming debt-free doesn’t require complex spreadsheets — just a clear plan and consistency. Download today and start building your path to financial freedom.- Designed for real-life budgeting In-app purchase Details: Lifetime Access for ads free version Privacy Policy : https://visionaso.in/manager/privacypolicy.html Terms of use : https://visionaso.in/manager/termscondition.html

Screenshots

Debt Payoff Tracker & Planner4 screens
Debt Payoff Tracker & Planner*4 screens

Verdict

The call

The clearest difference is ads: Debt Payoff Tracker & Planner at none against Debt Payoff Tracker & Planner*'s shown. Debt Payoff Tracker & Planner*'s advantage is iOS requirement (13.0 vs 18.0). On price, update cadence, in-app purchases and device support 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. Debt Payoff Tracker & Planner sells 4 in-app purchases, starting at $0.99 per 7 days and Debt Payoff Tracker & Planner* sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 10 days. The most recent releases landed on September 17, 2026 and September 18, 2026 respectively.

Scorecard2 real differences · 8 level
Debt Payoff Tracker & Planner versus Debt Payoff Tracker & Planner*: the parameters behind the verdict, then further details
ParameterDebt Payoff Tracker & PlannerDebt Payoff Tracker & Planner*
PriceFreeFree
Rating4.9 (8 ratings) — better
Positive reviews100.0% of reviews
Number of ratings8 — better
Update frequencyEvery 10 daysEvery 10 days
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.013.0 — better
Further details — not scored
Size6 MB71 MB
Age rating4+4+
DeveloperAlona NesterenkoAshvin Kevadiya

In-app purchases

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
1 purchases

Debt Payoff Tracker & Planner*

One-time1
  • Lifetime Premium$9.99

Questions

Is Debt Payoff Tracker & Planner free?
Debt Payoff Tracker & Planner 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.
Do Debt Payoff Tracker & Planner or Debt Payoff Tracker & Planner* have ads?
Debt Payoff Tracker & Planner* shows ads; Debt Payoff Tracker & Planner does not.
Which is updated more often, Debt Payoff Tracker & Planner or Debt Payoff Tracker & Planner*?
Debt Payoff Tracker & Planner ships an update every 10 days, and Debt Payoff Tracker & Planner* every 10 days. Most recently, Debt Payoff Tracker & Planner was updated on September 17, 2026 and Debt Payoff Tracker & Planner* on September 18, 2026.

Other comparisons