# OweTrack vs Paycheck Debt Planner

The clearest difference is update cadence: Paycheck Debt Planner at every 3 days against OweTrack's fortnightly. Paycheck Debt Planner also leads on device support (3 vs 1) and iOS requirement (15.0 vs 18.6). On price, ads and in-app purchases there is nothing between them.

Both are free to download. OweTrack sells 3 in-app purchases, starting at $7.99 per month and Paycheck Debt Planner sells 1 in-app purchase, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

OweTrack ships an update fortnightly, Paycheck Debt Planner every 3 days. Both last shipped on November 5, 2026.

## The numbers

| Metric | OweTrack | Paycheck Debt Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 3 days** |
| Monetization | — | Freemium |
| Size | 5 MB | 11 MB |
| Requires iOS | 18.6 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Yieldmonk Technologies LLC](https://appshunter.io/developer/1896411392) | [Jason Snyder](https://appshunter.io/developer/6773201372) |

## What reviewers say

### OweTrack

[App page](https://appshunter.io/ios/app/owetrack-debt-tracker/id6760969178)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $7.99 | per month |
| Yearly Subscription | $39.99 | per year |
| Lifetime Plan | $59.99 | one-time |


### Paycheck Debt Planner

[App page](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250)

This app helps you manage your finances by tracking bills and debts. It calculates required payments, identifies extra cash, and guides you on where to allocate it for debt payoff and savings goals. Features include real-time plan updates and secure local data storage.

**Highlights:** Guided setup for first-time users, Bill and debt payment tracking, Debt payoff strategy selection (snowball/avalanche), Savings and emergency fund goal tracking, Real-time plan updates with swipe-to-pay, Local data storage for privacy, App lock with biometric authentication

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Paycheck Debt Planner Premium | $4.99 | per month |


## Frequently asked questions

### Is OweTrack free?

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

### Is Paycheck Debt Planner free?

Paycheck Debt Planner is free to download, with in-app purchases available.

### Do OweTrack or Paycheck Debt Planner have ads?

Neither OweTrack nor Paycheck Debt Planner shows ads.

### Which is updated more often, OweTrack or Paycheck Debt Planner?

OweTrack ships an update fortnightly, and Paycheck Debt Planner every 3 days. Most recently, OweTrack was updated on November 5, 2026 and Paycheck Debt Planner on November 5, 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.*