# Debt Payoff Tracker & Planner vs Payoff

The clearest difference is update cadence: Debt Payoff Tracker & Planner at every 10 days against Payoff's every 5 months. Payoff's advantage is iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and device support 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 sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Payoff Tracker & Planner ships an update every 10 days, Payoff every 5 months. The most recent releases landed on October 31, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Debt Payoff Tracker & Planner | Payoff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (11 ratings)](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474/reviews)** | — |
| Number of ratings | **11** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 5 months |
| Monetization | Free with in-app purchases | — |
| Size | 5 MB | 5 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Alona Nesterenko](https://appshunter.io/developer/1890650834) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## 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

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | 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 free?

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

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

Neither Debt Payoff Tracker & Planner nor Payoff shows ads.

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

Debt Payoff Tracker & Planner ships an update every 10 days, and Payoff every 5 months. Most recently, Debt Payoff Tracker & Planner was updated on October 31, 2026 and Payoff on October 28, 2026.

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