# Payoff Planner vs Owed.today

The clearest difference is update cadence: Owed.today at every 5 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 Owed.today sells 3 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, Owed.today every 5 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Payoff Planner | Owed.today |
| --- | --- | --- |
| 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 5 days** |
| Monetization | Freemium | — |
| Size | 10 MB | 3 MB |
| Requires iOS | 18.6 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Chad Pickard](https://appshunter.io/developer/1831075073) | [Jimmy Leimonitis](https://appshunter.io/developer/6792718823) |

## 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 |


### Owed.today

[App page](https://appshunter.io/ios/app/owedtoday/id6792718821)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Owed in Full, Monthly | $4.99 | per month |
| Owed in Full, Yearly | $24.99 | per year |
| Owed in Full, Lifetime | $59.99 | one-time |


## Frequently asked questions

### Is Payoff Planner free?

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

### Is Owed.today free?

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

### Do Payoff Planner or Owed.today have ads?

Neither Payoff Planner nor Owed.today shows ads.

### Which is updated more often, Payoff Planner or Owed.today?

Payoff Planner ships an update every 4 weeks, and Owed.today every 5 days. Most recently, Payoff Planner was updated on November 5, 2026 and Owed.today on October 31, 2026.

---

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