Comparison

Debt Payoff Plan Calculator vs Debt Fix

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

Head to head
About

Debt Payoff Plan Calculator

This app helps you pay off your debts faster by calculating optimal payment strategies. Choose from various methods like snowball or highest balance first, and visualize your progress with detailed schedules and graphs.

Highlights
  • Debt repayment strategy calculator
  • Snowball method options
  • Highest balance first strategy
  • Detailed payment schedules
  • Debt payoff graphs
  • Strategy comparison
Features
Read full description

Debt Free Calculator will help you payoff your debts faster. Debt Free Calculator is an easy to use debt & loan calculator. The app lets you enter in various debts that you have and calculates the optimal payment strategy to get you out of debt as soon as possible. You can choose from a number of different debt repayment strategies, including: • Highest Balance First, Snowball method • Lowest Balance First, Snowball method • Highest Interest First, Snowball method • Lowest Interest First, Snowball method • Or no repayment strategy at all Features of Debt Free Calculator include: • Detailed debt payment schedules • Graphs • Statistics on your debts • Compare different payment strategies • And much more… Give yourself the best tool to get out of debt as soon as possible. Give Debt Free Calculator a try today.

About

Debt Fix

Easily track your debts and create a personalized payoff plan. Get a clear financial breakdown, analyze your progress with a report page, and utilize an amortized schedule to see all your payments. Start your journey to financial freedom.

Highlights
  • Debt tracking
  • Financial breakdown
  • Payoff plan development
  • Amortized payment schedule
  • Progress analysis report
Features
Read full description

Debt Fix is the debt payoff planner that shows you exactly when you'll be debt-free. Pay off credit cards, student loans, auto loans, medical bills, and personal loans faster with the snowball method, the avalanche method, or either one tuned with your own extra payments. No account. No bank connection. Start in seconds. CHOOSE YOUR STRATEGY • Avalanche: pay the least interest by attacking your highest rates first • Snowball: build momentum by knocking out your smallest balances first • Side-by-side comparison shows the interest saved and the time difference at a glance STAY ON TRACK EVERY MONTH • A monthly checklist tells you exactly what to pay and where • Total balance, payoff date, and progress on one dashboard • Categories for credit card, student loan, auto, medical, personal, and mortgage debt • 0% APR promotional periods, so interest-free balances calculate correctly • Add a lump sum any month, or a recurring extra payment every month SEE YOUR PROGRESS • Charts that update the moment you log a payment • A full amortization schedule for every debt • Savings report shows interest saved and months cut from your payoff date • Export your payoff schedule to PDF or CSV ON YOUR HOME SCREEN • Home Screen and Lock Screen widgets keep your payoff date one glance away • Reminders so you never miss a due date • Built for iPhone and iPad, with full Dark Mode support YOUR DEBT DATA STAYS YOURS • Works fully offline. Your debt details live on your device. • iCloud sync keeps your iPhone and iPad in step through your own private iCloud account • No account or signup required to use the app • Your debts and balances are never sold or shared DEBT FIX PREMIUM Supported by ads. Premium unlocks unlimited debts, full PDF and CSV exports, every theme color, and an ad-free experience. One purchase, lifetime access. No subscriptions. Not ready to buy? You can still unlock a single export by watching a short video. Your money should work for you, not your lenders. Download Debt Fix and start your payoff plan today.

Screenshots

Debt Payoff Plan Calculator4 screens
Debt Fix4 screens

Verdict

The call

The clearest difference is rating: Debt Fix at 4.0 against Debt Payoff Plan Calculator's 3.4. Debt Fix also leads on review sentiment (75% vs 42%) and update cadence (weekly vs every 2 months). Debt Payoff Plan Calculator's advantage is in-app purchases (none vs 1) and ads (none vs shown). On price and device support 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. Debt Fix sells 1 one-off in-app purchase. Debt Payoff Plan Calculator asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Debt Fix holds the better App Store score, 4.0 against 3.4. That said, the two scores are not equally well evidenced: Debt Payoff Plan Calculator has 137 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 42% of Debt Payoff Plan Calculator's written reviews are positive against 75% of Debt Fix's.

UpkeepUpdate frequency

Debt Payoff Plan Calculator ships an update every 2 months, Debt Fix weekly. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

Scorecard8 real differences · 2 level
Debt Payoff Plan Calculator versus Debt Fix: the parameters behind the verdict, then further details
ParameterDebt Payoff Plan CalculatorDebt Fix
PriceFreeFree
Rating3.4 (137 ratings)4.0 (11 ratings) — better
Positive reviews41.7% of reviews75.0% of reviews — better
Number of ratings137 — better11
Update frequencyEvery 2 monthsWeekly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.2 — better17.0
Further details — not scored
Size5 MB11 MB
Age rating4+4+
DeveloperAppRebel, Inc.Christopher Donoso

Customer experience

Debt Payoff Plan Calculator

All ratings135 ratings
Positive59.3%
Neutral8.1%
Negative32.6%
Written reviews72 reviews
Positive41.7%
Neutral16.7%
Negative41.7%

Debt Fix

All ratings11 ratings
Positive72.7%
Neutral0.0%
Negative27.3%
Written reviews8 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

Bugs and requests

Debt Payoff Plan Calculator

Reported bugs

11 issues
  • App crashes frequently
  • App is slow/laggy
  • Amount box accepts only single digits
  • Currency symbol changes unexpectedly
  • Data entry issues (e.g., cannot enter '9')
Show 6 more
  • Calculations are incorrect
  • Snowball/avalanche method doesn't apply correctly
  • Text blends with background, unreadable
  • App doesn't re-order debts based on chosen method
  • Mortgage analysis shows incorrect payment changes
  • App kicks out when entering data

Requested features

16 requests
  • Option to adjust app colors/theme
  • Native dark mode support
  • Fix snowball/avalanche calculation logic
  • Allow fractional cents for payments/balances
  • Add option for extra principal payments
Show 11 more
  • Ability to sort debts by balance/payoff order
  • Display payoff date for individual debts
  • Calculator consistency with spreadsheet software
  • Option to pay to remove ads
  • Add original balance field
  • Add loan start date field
  • Improve calculator for APRs above 99.99%
  • Add 'what if?' calculator for bigger payments
  • Secure app info for shared devices
  • Fix mortgage analysis accuracy
  • Allow editing payments from the middle

Debt Fix

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Debt Payoff Plan Calculator

No in-app purchases

1 purchases

Debt Fix

One-time1
  • Debt Fix Premium$4.99

Questions

Is Debt Payoff Plan Calculator free?
Debt Payoff Plan Calculator is free to download, with no in-app purchases.
Is Debt Fix free?
Debt Fix is free to download, with in-app purchases available.
Which has better reviews, Debt Payoff Plan Calculator or Debt Fix?
Debt Fix is rated higher. Debt Payoff Plan Calculator averages 3.4 out of 5 from 137 ratings, while Debt Fix averages 4.0 from 11 ratings.
Do Debt Payoff Plan Calculator or Debt Fix have ads?
Debt Fix shows ads; Debt Payoff Plan Calculator does not.
Which is updated more often, Debt Payoff Plan Calculator or Debt Fix?
Debt Payoff Plan Calculator ships an update every 2 months, and Debt Fix weekly. Most recently, Debt Payoff Plan Calculator was updated on October 21, 2026 and Debt Fix on October 24, 2026.

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