# Debt off planner vs Paycheck Debt Planner

The clearest difference is update cadence: Paycheck Debt Planner at every 3 days against Debt off planner's every 2 weeks. Paycheck Debt Planner also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.6). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Debt off planner sells 2 in-app purchases, starting at $1.99 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.

Debt off planner ships an update every 2 weeks, Paycheck Debt Planner every 3 days. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Debt off planner | Paycheck Debt Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 3 days** |
| Monetization | — | Freemium |
| Size | 10 MB | 11 MB |
| Requires iOS | 17.6 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [平益 王](https://appshunter.io/developer/1891759195) | [Jason Snyder](https://appshunter.io/developer/6773201372) |

## What reviewers say

### Debt off planner

[App page](https://appshunter.io/ios/app/debt-off-planner/id6764473768)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 连续包月 | $1.99 | per month |
| 连续包年 | $17.99 | per year |


### 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 off planner free?

Debt off planner 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.

### Do Debt off planner or Paycheck Debt Planner have ads?

Neither Debt off planner nor Paycheck Debt Planner shows ads.

### Which is updated more often, Debt off planner or Paycheck Debt Planner?

Debt off planner ships an update every 2 weeks, and Paycheck Debt Planner every 3 days. Most recently, Debt off planner was updated on October 31, 2026 and Paycheck Debt Planner 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.*