# 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 3 in-app purchases, starting at $4.99 per month 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 October 26, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Payoff Planner | DebtPilot |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-planner-get-debt-free/id6762224309/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 6 days** |
| Monetization | Free with in-app purchases | — |
| Size | 9 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-get-debt-free/id6762224309)

This app creates a personalized debt payoff plan based on your actual pay schedule. It analyzes your income, bills, and expenses to tell you how much extra to pay towards debt and which debt to prioritize. See your estimated debt-free date with multiple payoff strategies.

**Highlights:** Personalized debt payoff plan, Syncs to pay schedule, Multiple payoff strategies (Snowball, Avalanche, etc.), Estimated debt-free date, Score Boost mode, Adjustable for unexpected expenses

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtPayoffSprint Pro | $4.99 | per month |
| DebtPayoff Pro Yearly | $24.99 | per year |
| 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 October 26, 2026 and DebtPilot on October 17, 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.*