# Payoff Planner vs Payoff

The clearest difference is update cadence: Payoff Planner at every 4 weeks against Payoff's every 5 months. Payoff's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 18.6). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Payoff Planner sells 1 one-off in-app purchase and Payoff sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Payoff Planner against 5.0 for Payoff. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

Payoff Planner ships an update every 4 weeks, Payoff every 5 months. Both last shipped on November 5, 2026.

## The numbers

| Metric | Payoff Planner | Payoff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 5 months |
| Monetization | Freemium | Freemium |
| Size | 10 MB | 5 MB |
| Requires iOS | 18.6 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Chad Pickard](https://appshunter.io/developer/1831075073) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## What reviewers say

### Payoff Planner

[App page](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309)

This app helps you create a personalized debt payoff plan based on your income and expenses. It calculates how much extra you can safely allocate to debt from each paycheck and guides you on which debt to tackle first for faster debt freedom.

**Highlights:** Paycheck-based payoff plans, Multiple payoff strategies (snowball, avalanche, custom), Calculates debt-free date and interest saved, Supports various debt types (credit cards, loans, mortgages), Bill reminders and payday nudges, Customizable currency support

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Planner Pro | $4.99 | one-time |


### Payoff

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

This app helps you create a personalized plan to pay off your debts efficiently. It compares different payoff strategies, tracks your progress, and sends due date reminders. You can visualize savings and share milestones.

**Highlights:** Personalized monthly debt payoff plan, Comparison of payoff strategies (Avalanche, Snowball, etc.), Progress tracking and debt-free countdown, Due date reminders, Home screen widget, Privacy-focused with no ads or analytics

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


## Frequently asked questions

### Is Payoff Planner free?

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

### Is Payoff free?

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

### Which has better reviews, Payoff Planner or Payoff?

Payoff Planner and Payoff are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Payoff Planner or Payoff have ads?

Neither Payoff Planner nor Payoff shows ads.

### Which is updated more often, Payoff Planner or Payoff?

Payoff Planner ships an update every 4 weeks, and Payoff every 5 months. Most recently, Payoff Planner was updated on November 5, 2026 and Payoff 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.*