Comparison

Debt Payoff Tracker & Planner* vs Payfin

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

Debt Payoff Tracker & Planner*

Features
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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 β€” 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 β€” 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

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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 β€” avalanche (highest APR first) or snowball (smallest balance first) β€” and see how your projected debt-free date and interest change. FREE β€’ Track one debt with the signature payoff ring and balance β€’ Log payments and follow your progress β€’ Pure-black dark and clean light themes PRO β€’ Track unlimited debts β€’ Avalanche & snowball planners with month-by-month projections β€’ Projected debt-free date and monthly interest breakdown β€’ Payment reminders and milestone moments β€’ Home-screen widgets for your balance, next payment, and trajectory β€’ Exclusive themes, accent colors, and app icons β€’ 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 β€” 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 Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· 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 October 3, 2026 and October 9, 2026 respectively.

Scorecard4 real differences Β· 2 level
Debt Payoff Tracker & Planner* versus Payfin: the parameters behind the verdict, then further details
ParameterDebt Payoff Tracker & Planner*Payfin
PriceFreeFree
Update frequencyEvery 10 days β€” betterEvery 3 weeks
AdsYesNo β€” better
In-app purchasesYesYes
DevicesiPhone, iPad, iPod β€” betteriPhone
Requires iOS13.0 β€” better16.4
Further details β€” 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 October 3, 2026 and Payfin on October 9, 2026.

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