# Debt Payoff Tracker & Planner vs Payoff Planner

The clearest difference is ratings volume: Debt Payoff Tracker & Planner at 11 against Payoff Planner's 1. Debt Payoff Tracker & Planner also leads on update cadence (every 10 days vs every 4 weeks). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Payoff Tracker & Planner sells 4 in-app purchases, starting at $0.99 per 7 days and Payoff Planner sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Debt Payoff Tracker & Planner against 5.0 for Payoff Planner. That said, the two scores are not equally well evidenced: Debt Payoff Tracker & Planner has 11 ratings behind it against 1, so its average is the more settled of the two.

Debt Payoff Tracker & Planner ships an update every 10 days, Payoff Planner every 4 weeks. Both last shipped on November 5, 2026.

## The numbers

| Metric | Debt Payoff Tracker & Planner | Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (11 ratings)](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309/reviews) |
| Number of ratings | **11** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 4 weeks |
| Monetization | Free with in-app purchases | Freemium |
| Size | 5 MB | 10 MB |
| Requires iOS | **18.0** | 18.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Alona Nesterenko](https://appshunter.io/developer/1890650834) | [Chad Pickard](https://appshunter.io/developer/1831075073) |

## What reviewers say

### Debt Payoff Tracker & Planner

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474)

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:** macOS Compatibility, Family Sharing

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Premium | $0.99 | per 7 days |
| Monthly Premium. | $4.99 | per month |
| Yearly Premium | $9.99 | per year |
| Lifetime Access | $19.99 | one-time |


### Payoff Planner

[App page](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309)

This app helps you create a personalized debt payoff plan based on your income and expenses. It calculates how much extra you can safely allocate to debt from each paycheck and guides you on which debt to tackle first for faster debt freedom.

**Highlights:** Paycheck-based payoff plans, Multiple payoff strategies (snowball, avalanche, custom), Calculates debt-free date and interest saved, Supports various debt types (credit cards, loans, mortgages), Bill reminders and payday nudges, Customizable currency support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Planner Pro | $4.99 | one-time |


## Frequently asked questions

### Is Debt Payoff Tracker & Planner free?

Debt Payoff Tracker & Planner is free to download, with in-app purchases available.

### Is Payoff Planner free?

Payoff Planner is free to download, with in-app purchases available.

### Which has better reviews, Debt Payoff Tracker & Planner or Payoff Planner?

Debt Payoff Tracker & Planner and Payoff Planner are both rated 5.0 out of 5 on the App Store, from 11 and 1 ratings respectively.

### Do Debt Payoff Tracker & Planner or Payoff Planner have ads?

Neither Debt Payoff Tracker & Planner nor Payoff Planner shows ads.

### Which is updated more often, Debt Payoff Tracker & Planner or Payoff Planner?

Debt Payoff Tracker & Planner ships an update every 10 days, and Payoff Planner every 4 weeks. Most recently, Debt Payoff Tracker & Planner was updated on November 5, 2026 and Payoff Planner on November 5, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*