DebtDrop vs PayoffPath
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DebtDrop
This app provides a personalized, step-by-step plan to eliminate your debts efficiently. It offers two proven payoff methods and visualizes your progress, helping you save money and understand the true cost of your debt.
- Personalized payoff plan
- Avalanche and Snowball methods
- Monthly payment guidance
- Interest vs. principal breakdown
- Paycheck planner
- Cloud sync
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DebtDrop gives you a clear, step-by-step plan to pay off every debt you owe — and shows you exactly how much money you'll save along the way. JUST ADD YOUR LOANS. WE DO THE REST. Enter your balances, interest rates, and minimum payments. DebtDrop instantly builds a personalized payoff plan and tells you exactly what to pay, to whom, and when. YOUR MONTHLY PLAYBOOK Every month, DebtDrop tells you which loan to focus on and how much to pay. No spreadsheets. No guessing. Just a clear action item. TWO PROVEN METHODS - Avalanche — attack the highest interest rate first. Saves the most money. - Snowball — attack the smallest balance first. Builds momentum faster. Switch methods anytime and see the impact instantly. SEE THE REAL COST OF YOUR DEBT DebtDrop shows you exactly how much of your minimum payment goes to interest vs. actually reducing your balance. It's eye-opening — and motivating. PREMIUM FEATURES - Paycheck planner — see exactly how much of each paycheck to set aside - Full charts — watch your debt trend to zero over time - Cascade effect — see how each paid-off loan accelerates the next - PDF export — save and share your complete payoff schedule - Cloud sync — access your plan on any device BUILT FOR REAL PEOPLE No ads. No gimmicks. No shame. DebtDrop is a tool that respects you and your financial situation. Download free. Start your plan today. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
PayoffPath
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Your debt payoff planner and snowball calculator — private, with no bank login and no account. Nothing leaves your phone. Add your loans and cards, pick a payoff strategy, and see the exact date you become debt-free. Then track your budget, spending, accounts, and net worth — everything in one place. Every payment brings your debt-free date closer. WHY PAYOFFPATH • See your debt-free date — a clear countdown, not a spreadsheet • Snowball or avalanche — pick the strategy that fits you • Balances that stay correct — log payments and extra payments without breaking your plan • Snowflakes — throw any spare amount at your debt and instantly see how many days sooner you finish • Balance-transfer simulator — see if moving a balance actually saves you money • Budget & spending — track where money goes and turn savings into debt payments • Bills & subscriptions — spot the "zombie" subscriptions quietly draining you • Lent & borrowed — track money friends owe you (and what you owe), all private • Net worth & trends — one clear picture of where you stand • Future visualizer — see what your freed-up money could grow into after you're debt-free • Notes, statement scanner, widgets & Live Activity, PDF export PRIVATE BY DESIGN • No bank login and no account — ever • No ads, no tracking, no analytics • Your data stays on your iPhone, synced only through your own private iCloud • "Data Not Collected" on our App Store privacy label — verify it yourself PAYOFFPATH PRO Unlock everything with PayoffPath Pro — $2.99/month or $19.99/year, with a 14-day free trial. Payment is charged to your Apple ID. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends; manage or cancel anytime in your Apple ID settings. Questions or ideas? Email support@duetrack.bd Privacy Policy: https://sites.google.com/view/privacypolicyofpayoffpath/home Terms of Use: https://sites.google.com/view/terms-of-service-of-payoffpath/home
Screenshots
Verdict
The clearest difference is update cadence: DebtDrop at every 4 days against PayoffPath's every 6 weeks. DebtDrop also leads on iOS requirement (15.1 vs 17.0). On price, ads, in-app purchases and device support 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. DebtDrop sells 2 in-app purchases, starting at $4.99 per month and PayoffPath sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
DebtDrop ships an update every 4 days, PayoffPath every 6 weeks. The most recent releases landed on October 31, 2026 and October 25, 2026 respectively.
| Parameter | DebtDrop | PayoffPath |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 4 days — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 43 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | Jacob Grossman | Monirujjaman Monjil |
In-app purchases
DebtDrop
- ClearDebt Premium$4.991 Month
- ClearDebt Premium (Annual)$34.991 Year
PayoffPath
- PayoffPath Pro (Monthly)3 Days trial$2.991 Month
- PayoffPath Pro (Yearly)3 Days trial$19.991 Year









