Debt Payoff Planner Plus vs Debt Payoff Pro
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Payoff Planner Plus
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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 · See all credit cards, loans, and bills in one clean dashboard · Know exactly which debt to pay first · Test extra payments and instantly see your new payoff date · Stop missing due dates with smart reminders · Stay motivated with visible wins and milestones CORE FEATURES · Fast setup with no account required · Add unlimited debts including credit cards, personal loans, auto, medical, student loans, mortgage, and more · Snowball and Avalanche strategies with side-by-side comparison · Real-time what-if simulator with extra payment slider · Month-by-month payment schedule for every debt · Progress dashboard showing total paid, interest avoided, and time remaining · Payment logging and upcoming due date reminders · Works offline with all calculations on your device · 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 · No bank connections · No sensitive financial syncing · Your data stays on your device · 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.
Debt Payoff Pro
This app helps you create a clear, step-by-step plan to become debt-free. It allows you to track all your debts, choose a payoff strategy, and visualize your progress without linking bank accounts.
- Debt payoff strategy planner
- Snowball and Avalanche methods
- Custom debt order
- Extra payment logging
- What-if scenario analysis
- Debt capacity calculation
- Progress visualization
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Take control of your debt. Debt Payoff Pro gives you an exact debt-free date and a clear step-by-step plan -- no bank linking, no complexity, no guesswork. Add your debts in seconds, pick your payoff strategy, and watch your progress every day. Whether you have credit cards, student loans, a car payment, or a mortgage -- see exactly when you'll be debt free and how much interest you'll save. HOW IT WORKS 1. Add your debts -- balance, interest rate, and minimum payment for each 2. Choose your strategy -- snowball, avalanche, or custom order 3. See your debt-free date -- and start tracking payments today PAYOFF STRATEGIES - Snowball Method -- pay smallest balances first for quick wins and motivation - Avalanche Method -- target highest interest rates first to save the most money - Custom Order -- drag and reorder debts to match your priorities ONE-TAP EXTRA PAYMENTS Log every extra payment with a single tap. See instantly how it changes your debt-free date and total interest saved. No spreadsheets, no manual math. WHAT-IF SCENARIOS "What if I paid $100 extra this month?" Slide the amount and see exactly how many months and dollars you'll save. Make confident decisions with real numbers -- whether it's an extra $50 or a $500 windfall. DEBT CAPACITY Enter your income and expenses once. Debt Payoff Pro calculates your available payment capacity -- so you know exactly how much extra you can put toward debt reduction each month without a full budget planner. TRACK EVERY DEBT TYPE - Credit card balances - Student loans - Personal loans - Auto loans - Medical debt - Mortgage - Any other debt with an interest rate and minimum payment PROGRESS THAT MOTIVATES - Debt-free countdown timer with your exact payoff date - Visual progress bars for each debt and your total portfolio - Interest saved tracker -- see real dollars you're keeping - Daily check-in streaks build momentum and consistency - Achievements and milestones celebrate your debt-free journey PRIVACY FIRST Your financial data stays on your device. No bank account linking. No third-party data sharing. You control every number you enter. DESIGNED TO FEEL GOOD A calm, modern interface that makes managing debt feel empowering -- not stressful. Dark mode included. Start your debt-free journey today. Download Debt Payoff Pro and see your payoff date in minutes. Support: mobile@kreatordev.com Terms of Service: https://kreatordev.com/debtpayoffpro/terms
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Verdict
The clearest difference is ads: Debt Payoff Pro at none against Debt Payoff Planner Plus's shown. Debt Payoff Pro also leads on update cadence (fortnightly vs every 3 months). On price, in-app purchases, device support and iOS requirement 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
Both are free to download. Debt Payoff Planner Plus sells 1 one-off in-app purchase and Debt Payoff Pro sells 5 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Debt Payoff Planner Plus ships an update every 3 months, Debt Payoff Pro fortnightly. The most recent releases landed on September 10, 2026 and August 1, 2026 respectively.
| Parameter | Debt Payoff Planner Plus | Debt Payoff Pro |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Number of ratings | — | 2 — better |
| Update frequency | Every 3 months | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 — better | 15.6 |
| Further details — not scored | ||
| Size | 6 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | Storq Labs BV | KREATORDEV LLC |
In-app purchases
Debt Payoff Planner Plus
- Remove Ads$1.99
Debt Payoff Pro
- Pro Monthly$4.991 Month
- Pro Trial7 Days trial$4.991 Month
- Pro Annual$29.991 Year
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- Pro Gift$29.991 Month
- Pro Lifetime$49.99





