Comparison

Eliminate vs DebtPilot

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Eliminate

This app helps you track and pay down debt without connecting to your bank. It visualizes your debt-free date, offers payoff strategies, and sends payment reminders. Your financial data remains private and stored only on your device.

Highlights
  • Visualize debt-free date
  • Snowball or avalanche payoff methods
  • Payment reminders and alerts
  • Track interest savings
  • Log extra payments easily
  • Data stored locally
Features
Read full description

Take control of your debt and start building the future you deserve. Eliminate is a private, powerful debt payoff planner that lives entirely on your device. No accounts. No servers. No syncing. Your financial data never leaves your device. Whether you're juggling credit cards, personal loans, or other debts, Eliminate gives you the tools to track everything, plan your payoff strategy, and watch your progress in real time. DEBT PAYOFF STRATEGIES Choose between the Avalanche method (highest interest first) or the Snowball method (smallest balance first) to find the approach that works best for you. See exactly when you'll be debt-free and how much interest you'll save. TRACK ALL YOUR CARDS & LOANS Add your credit cards and track balances, APRs, limits and minimum payments in one place. With Pro, add car loans, student loans and personal loans too — loans show how much you have paid off rather than credit utilization, and they join your payoff plan automatically. MONTHLY BUDGET PLANNER Set a monthly budget, log transactions, and see exactly where your money is going. Stay on track every month. RECURRING TRANSACTIONS Set up recurring expenses so your budget stays accurate without the extra work. CHARTS & VISUALIZATIONS See your debt payoff timeline, balance trends, and progress charts at a glance. Watching your debt shrink has never felt so good. PAYMENT TRACKER Log payments as you make them and see at a glance when each card or loan is due next. Never lose track of a payment cycle. BACKUP & RESTORE Export and import your data anytime so you never lose your progress. COMPLETELY PRIVATE Eliminate is built with privacy at its core. There are no accounts to create, no data sent to servers, and no third parties with access to your financial information. Everything stays on your device. Always. FREE & PRO Get started for free with up to 3 credit cards. Upgrade to Pro for unlimited cards, loan tracking, full debt payoff tools, charts, recurring transactions, and more. Pro plans: Monthly subscription with a 7-day free trial Yearly subscription with a 7-day free trial (save 30%) Lifetime: one-time purchase Prices are shown in your local currency in the app and at checkout. Pay it down. Own your future. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://eliminateapp.com/privacy.html

About

DebtPilot

Features
Read full description

DebtPilot is the simplest way to make a plan and pay off your debt for good. Add what you owe — or just scan a bill or statement — choose a strategy, and DebtPilot shows you exactly what to pay each month, when you'll be debt-free, and how much interest you'll save. No jargon, no spreadsheets — just a clear plan you can follow, with progress and rewards that keep you going. WHAT YOU GET FREE • Scan a bill or import a PDF — snap a photo or pick a statement and we fill in the balance, rate, and payment for you. Processed on your device; nothing is uploaded. • Two proven strategies — Snowball (knock out your smallest balance for quick wins) or Avalanche (target your highest rate to save the most). Or set your own custom order. • Your debt-free date — see the exact month you'll be free, with a progress ring and a live countdown on your Lock Screen and Dynamic Island (Live Activity). • "This month" plan — know exactly what to pay on each debt, and log payments with one tap, by amount, or with Siri ("Hey Siri, log my DebtPilot payment"). • Quick extra payments — drop a one-time "snowflake" payment on any debt and watch your date move closer. • Due-date calendar & reminders — see everything due this month at a glance. • Loan & amortization calculator — see where every payment goes, including mortgage escrow, principal vs. interest, and lifetime interest. • Month in Review — a monthly recap of what you paid down and how far you've come. • Achievements, badges & streaks — stay motivated and share your progress. • Home & Lock Screen widgets, color themes, an interactive tutorial, and a Learn section in plain English. • iCloud sync — your plan follows you to a new phone, automatically. • Private by design — everything stays on your device. No account, no tracking, nothing collected. DEBTPILOT PREMIUM (optional) Go faster with the full toolkit: • Rate Negotiator — see what a lower interest rate could save you, with a word-for-word script to ask your lender for one. • Planning tools — simulate extra payments and a one-time lump sum, and set a target payoff date. • Budget simulator — enter your income and expenses to find the best amount of leftover money to put toward debt, while keeping a safety cushion. • Interest-saved breakdown — charts showing exactly how your plan beats paying minimums. • Refinance / rate "what-if" — see if a lower rate or balance transfer is worth it. • Payoff projection charts and per-debt month-by-month schedules. • Export & print your plan as a PDF, or to a spreadsheet (CSV), and track unlimited debts (free covers 3). DebtPilot is an educational planning tool to help you organize and pay down debt. Figures are estimates and it is not financial advice. Start your plan today — your debt-free date is closer than you think. — — — DebtPilot is free to download and use. DebtPilot Premium is an optional subscription: • Monthly — $4.99 • Yearly — $29.99 Payment is charged to your Apple Account at purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the period; manage or cancel anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://aganfinancial.com/privacy

Screenshots

Eliminate3 screens
DebtPilot4 screens

Verdict

The call

The clearest difference is device support: Eliminate at 3 against DebtPilot's 1. Eliminate also leads on iOS requirement (15.0 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Eliminate sells 3 in-app purchases, starting at $2.99 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.

UpkeepUpdate frequency

Eliminate ships an update every 4 days, DebtPilot every 6 days. The most recent releases landed on October 24, 2026 and October 17, 2026 respectively.

Scorecard2 real differences · 7 level
Eliminate versus DebtPilot: the parameters behind the verdict, then further details
ParameterEliminateDebtPilot
PriceFreeFree
Rating5.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyEvery 4 days — betterEvery 6 days
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size3 MB4 MB
Age rating4+4+
DeveloperEliminate LLCAgan Financials Limited Liability Co

In-app purchases

3 purchases

Eliminate

Subscriptions2
  • Eliminate Pro Monthly$2.991 Month
  • Eliminate Pro Annual$24.991 Year
One-time1
  • Eliminate Pro Lifetime$39.99
2 purchases

DebtPilot

Subscriptions2
  • DebtPilot Premium (Monthly)$4.991 Month
  • DebtPilot Premium (Yearly)$29.991 Year

Questions

Is Eliminate free?
Eliminate is free to download, with in-app purchases available.
Is DebtPilot free?
DebtPilot is free to download, with in-app purchases available.
Do Eliminate or DebtPilot have ads?
Neither Eliminate nor DebtPilot shows ads.
Which is updated more often, Eliminate or DebtPilot?
Eliminate ships an update every 4 days, and DebtPilot every 6 days. Most recently, Eliminate was updated on October 24, 2026 and DebtPilot on October 17, 2026.

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