# Bills Manager vs Debt Payoff Planner & Tracker

Bills Manager and Debt Payoff Planner & Tracker both sit at 4.8 stars, but that hides the real split: 85% of Bills Manager's written reviews are positive against 63% of Debt Payoff Planner & Tracker's. Bills Manager also leads on update cadence (every 3 weeks vs every 2 months). Debt Payoff Planner & Tracker's advantage is chart position (#76 vs unranked) and device support (3 vs 1). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Bills Manager sells 1 one-off in-app purchase and Debt Payoff Planner & Tracker sells 5 in-app purchases, starting at $6.99 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 — 4.8 for Bills Manager against 4.7 for Debt Payoff Planner & Tracker. Both are backed by a comparable volume of ratings — 8.1K and 7.4K respectively. Written reviews are what separate them: 85% of Bills Manager's written reviews are positive against 63% of Debt Payoff Planner & Tracker's.

Bills Manager ships an update every 3 weeks, Debt Payoff Planner & Tracker every 2 months. Both last shipped on October 26, 2026.

## The numbers

| Metric | Bills Manager | Debt Payoff Planner & Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.1K ratings)](https://appshunter.io/ios/app/bills-manager/id834370671/reviews)** | [4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews) |
| Number of ratings | **8.1K** | 7.4K |
| Positive reviews | **85.4% of reviews** | 63.2% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | — | **#76** |
| Size | 16 MB | 8 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Jose Fabian Pena](https://appshunter.io/developer/824000829) | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) |

## What reviewers say

### Bills Manager

[App page](https://appshunter.io/ios/app/bills-manager/id834370671)

Easily track your bills and avoid late fees with this intuitive app. It offers a clean interface for managing payments, viewing upcoming due dates, and receiving customizable notifications. All your data is stored locally on your device for privacy.

**Highlights:** Monthly bill list, Calendar view, Past due and upcoming bills overview, Recurring bills management, Customizable notifications, Attach photos to bills, Backup and restore via Dropbox

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove ads | $5.99 | one-time |

**What reviewers like**

- 👍 Simple and easy to use
- 🚀 Helps stay organized and on top of bills
- 💡 Customizable categories and views
- 🔒 Doesn't require bank account connections
- 🎨 Clean and intuitive interface

**What reviewers complain about**

- 🐛 Notification issues (not working or inconsistent)
- 💡 Lack of option to mark bills as partially paid
- 💡 No way to track when payments clear bank account
- 💡 Limited customization options (e.g. colors, layouts)
- 🐛 Data loss when switching devices or reinstalling

**Reported bugs**

- Recurring bills automatically turning off
- Paid bills getting unmarked after app use
- Crashes when marking bills as paid

**Requested features**

- Option to set bills with no end date
- Ability to track paydays and link them to bills
- Export/import functionality for bill data
- Customizable notification settings
- Integration with mobile banking apps


### Debt Payoff Planner & Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715)

**Currently charting:** #76 Top Grossing · Finance (US App Store)

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

**Highlights:** Customized debt repayment schedule, Debt Snowball payoff strategy, Debt Avalanche payoff strategy, Debt Snowflake payoff strategy, Track loan payments, Budget additional payments, View payoff scenarios

**Features:** Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Subscription | $6.99 | per month |
| Friends and Family 1 Month | $10.49 | per month |
| 3 Month Subscription | $13.99 | per 3 months |
| 12 Month Subscription | $27.99 | per year |
| Friends and Family 12 Months | $41.99 | per year |

**What reviewers like**

- 💯 Excellent debt tracking and planning
- 🔍 Detailed debt breakdown and payoff timeline
- 🎯 Helps stay motivated and on track
- 👍 Simple and easy to use interface
- 🤑 Affordable premium subscription

**What reviewers complain about**

- 🐛 Occasional app crashes and stability issues
- 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
- 💰 Frustration with premium-only features
- 🔢 Difficulty making changes to existing debt entries
- 💸 Concerns about recurring subscription costs

**Reported bugs**

- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates

**Requested features**

- Add ability to track recurring income and expenses
- Implement biweekly or weekly payment options
- Improve flexibility for editing debt details
- Provide option to export data and reports
- Add support for multiple currencies


## Frequently asked questions

### Is Bills Manager free?

Bills Manager is free to download, with in-app purchases available.

### Is Debt Payoff Planner & Tracker free?

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

### Which has better reviews, Bills Manager or Debt Payoff Planner & Tracker?

Bills Manager is rated higher. Bills Manager averages 4.8 out of 5 from 8.1K ratings, while Debt Payoff Planner & Tracker averages 4.7 from 7.4K ratings.

### Do Bills Manager or Debt Payoff Planner & Tracker have ads?

Both Bills Manager and Debt Payoff Planner & Tracker show ads.

### Which is updated more often, Bills Manager or Debt Payoff Planner & Tracker?

Bills Manager ships an update every 3 weeks, and Debt Payoff Planner & Tracker every 2 months. Most recently, Bills Manager was updated on October 26, 2026 and Debt Payoff Planner & Tracker on October 26, 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.*