Comparison

Debt Payoff Tracker & Planner* vs Payfin

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 create a personalized plan to eliminate your debts faster. It offers various payoff strategies and tracks your progress with visual charts and motivational tools. Manage all types of loans and see how extra payments can save you interest.

Highlights
  • Personalized debt payoff plan creation
  • Multiple payoff strategies (Snowball, Avalanche, Snowflake)
  • Projected debt-free date calculation
  • Total interest saved estimation
  • Progress tracking with visual charts
  • Management of various debt types
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

About

Payfin

Read full description

Payfin turns a pile of debts into one clear picture: a single remaining balance, a projected debt-free date, and a plan to follow. Add what you owe, log each payment, and watch your total move as the payoff ring fills. Choose the method that fits you — avalanche (highest APR first) or snowball (smallest balance first) — and see how your projected debt-free date and interest change. FREE • Track one debt with the signature payoff ring and balance • Log payments and follow your progress • Pure-black dark and clean light themes PRO • Track unlimited debts • Avalanche & snowball planners with month-by-month projections • Projected debt-free date and monthly interest breakdown • Payment reminders and milestone moments • Home-screen widgets for your balance, next payment, and trajectory • Exclusive themes, accent colors, and app icons • Run "what-if" scenarios with extra payments and rate changes Payfin is a personal record-keeping and planning tool. Projections are estimates based on the numbers you enter — not financial advice. SUBSCRIPTION Payfin Pro is $4.99/week with a 3-day free trial, or $29.99/year. Payment is charged to your Apple ID at confirmation. Subscriptions auto-renew unless canceled at least 24 hours before the end of the period; manage or cancel anytime in App Store settings. Privacy Policy: https://hs0929.github.io/payfin/privacy/ Terms of Use: https://hs0929.github.io/payfin/terms/

Screenshots

Debt Payoff Tracker & Planner*4 screens
Payfin4 screens

Verdict

The call

The clearest difference is ads: Payfin at none against Debt Payoff Tracker & Planner*'s shown. Debt Payoff Tracker & Planner*'s advantage is update cadence (every 10 days vs every 3 weeks) and device support (3 vs 1). On price and in-app purchases 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 1 one-off in-app purchase and Payfin sells 2 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Debt Payoff Tracker & Planner* ships an update every 10 days, Payfin every 3 weeks. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

Scorecard4 real differences · 5 level
Debt Payoff Tracker & Planner* versus Payfin: the parameters behind the verdict, then further details
ParameterDebt Payoff Tracker & Planner*Payfin
PriceFreeFree
Rating5.0 (3 ratings) — better—
Number of ratings3 — better—
Update frequencyEvery 10 days — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.4
Further details — not scored
Size71 MB71 MB
Age rating4+4+
DeveloperAshvin KevadiyaEunbi Go

In-app purchases

1 purchases

Debt Payoff Tracker & Planner*

One-time1
  • Lifetime Premium$9.99
2 purchases

Payfin

Subscriptions2
  • Payfin Weekly Premium Subscription3 Days trial$4.997 Days
  • Payfin Yearly Premium Subscription$29.991 Year

Questions

Is Debt Payoff Tracker & Planner* free?
Debt Payoff Tracker & Planner* is free to download, with in-app purchases available.
Is Payfin free?
Payfin is free to download, with in-app purchases available.
Do Debt Payoff Tracker & Planner* or Payfin have ads?
Debt Payoff Tracker & Planner* shows ads; Payfin does not.
Which is updated more often, Debt Payoff Tracker & Planner* or Payfin?
Debt Payoff Tracker & Planner* ships an update every 10 days, and Payfin every 3 weeks. Most recently, Debt Payoff Tracker & Planner* was updated on November 6, 2026 and Payfin on November 5, 2026.

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