# Payoff Planner vs DebtPilot

The clearest difference is update cadence: DebtPilot at every 6 days against Payoff Planner's every 4 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Payoff Planner sells 1 one-off in-app purchase and DebtPilot sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Payoff Planner ships an update every 4 weeks, DebtPilot every 6 days. The most recent releases landed on November 5, 2026 and November 13, 2026 respectively.

## The numbers

| Metric | Payoff Planner | DebtPilot |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 6 days** |
| Monetization | Freemium | — |
| Size | 10 MB | 4 MB |
| Requires iOS | 18.6 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Chad Pickard](https://appshunter.io/developer/1831075073) | [Agan Financials Limited Liability Co](https://appshunter.io/developer/6775158786) |

## 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 |


### DebtPilot

[App page](https://appshunter.io/ios/app/debtpilot/id6775158784)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtPilot Premium (Monthly) | $4.99 | per month |
| DebtPilot Premium (Yearly) | $29.99 | per year |


## Frequently asked questions

### Is Payoff Planner free?

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

### Is DebtPilot free?

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

### Do Payoff Planner or DebtPilot have ads?

Neither Payoff Planner nor DebtPilot shows ads.

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

Payoff Planner ships an update every 4 weeks, and DebtPilot every 6 days. Most recently, Payoff Planner was updated on November 5, 2026 and DebtPilot on November 13, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*