# Debt Payoff Pro vs Paycheck Debt Planner

The clearest difference is update cadence: Paycheck Debt Planner at every 3 days against Debt Payoff Pro's fortnightly. On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Debt Payoff Pro sells 5 in-app purchases, starting at $4.99 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.

On the App Store both sit at effectively the same score — 5.0 for Debt Payoff Pro against 5.0 for Paycheck Debt Planner. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

Debt Payoff Pro ships an update fortnightly, Paycheck Debt Planner every 3 days. Both last shipped on October 24, 2026.

## The numbers

| Metric | Debt Payoff Pro | Paycheck Debt Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/debt-payoff-pro-loan-tracker/id6762552664/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250/reviews) |
| Number of ratings | **2** | 1 |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 3 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 34 MB | 11 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KREATORDEV LLC](https://appshunter.io/developer/1634077382) | [Jason Snyder](https://appshunter.io/developer/6773201372) |

## What reviewers say

### Debt Payoff Pro

[App page](https://appshunter.io/ios/app/debt-payoff-pro-loan-tracker/id6762552664)

This app helps you create a clear, step-by-step plan to become debt-free. It allows you to track all your debts, choose a payoff strategy, and visualize your progress without linking bank accounts.

**Highlights:** Debt payoff strategy planner, Snowball and Avalanche methods, Custom debt order, Extra payment logging, What-if scenario analysis, Debt capacity calculation, Progress visualization

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $4.99 | per month |
| Pro Trial | $4.99 | per month |
| Pro Annual | $29.99 | per year |
| Pro Gift | $29.99 | per month |
| Pro Lifetime | $49.99 | 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 Debt Payoff Pro free?

Debt Payoff Pro 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.

### Which has better reviews, Debt Payoff Pro or Paycheck Debt Planner?

Debt Payoff Pro and Paycheck Debt Planner are both rated 5.0 out of 5 on the App Store, from 2 and 1 ratings respectively.

### Do Debt Payoff Pro or Paycheck Debt Planner have ads?

Neither Debt Payoff Pro nor Paycheck Debt Planner shows ads.

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

Debt Payoff Pro ships an update fortnightly, and Paycheck Debt Planner every 3 days. Most recently, Debt Payoff Pro was updated on October 24, 2026 and Paycheck Debt Planner on October 24, 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.*