# Debt Payoff Plan Calculator vs Debt Guide

The clearest difference is rating: Debt Guide at 4.8 against Debt Payoff Plan Calculator's 3.4. Debt Guide also leads on review sentiment (62% vs 42%). Debt Payoff Plan Calculator's advantage is in-app purchases (none vs 4) and iOS requirement (13.2 vs 15.0). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Debt Payoff Plan Calculator asks for nothing beyond the download.

Debt Guide holds the better App Store score, 4.8 against 3.4. Both are backed by a comparable volume of ratings — 137 and 49 respectively. Written reviews point the same way: 42% of Debt Payoff Plan Calculator's written reviews are positive against 62% of Debt Guide's.

Debt Payoff Plan Calculator ships an update every 2 months, Debt Guide every 3 months. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Debt Payoff Plan Calculator | Debt Guide |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (137 ratings)](https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289/reviews) | **[4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** |
| Number of ratings | **137** | 49 |
| Positive reviews | 41.7% of reviews | **61.5% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | **Free** | Freemium |
| Size | 5 MB | 98 MB |
| Requires iOS | **13.2** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [AppRebel, Inc.](https://appshunter.io/developer/1227876283) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## What reviewers say

### Debt Payoff Plan Calculator

[App page](https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful for debt management
- 💡 Motivates debt payoff
- 📈 Provides clear payoff projections
- ✅ Simple and easy to use
- 📊 Good for visualizing debt

**What reviewers complain about**

- 😵 Hard to read text/colors
- 🐛 Snowball method not working correctly
- 🚫 No dark mode support
- 🔢 Inaccurate calculations
- 🔄 Requires monthly updates

**Reported bugs**

- 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')

**Requested features**

- 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


### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

**Highlights:** Personalized debt repayment plans, Snowball and Avalanche payoff methods, Track multiple loans and credit cards, Payment reminders and alerts, Interactive progress charts and graphs, Ad-free experience

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Debt Payoff Plan Calculator free?

Debt Payoff Plan Calculator is free to download, with no in-app purchases.

### Is Debt Guide free?

Debt Guide is free to download, with in-app purchases available.

### Which has better reviews, Debt Payoff Plan Calculator or Debt Guide?

Debt Guide is rated higher. Debt Payoff Plan Calculator averages 3.4 out of 5 from 137 ratings, while Debt Guide averages 4.8 from 49 ratings.

### Do Debt Payoff Plan Calculator or Debt Guide have ads?

Neither Debt Payoff Plan Calculator nor Debt Guide shows ads.

### Which is updated more often, Debt Payoff Plan Calculator or Debt Guide?

Debt Payoff Plan Calculator ships an update every 2 months, and Debt Guide every 3 months. Most recently, Debt Payoff Plan Calculator was updated on October 29, 2026 and Debt Guide on October 30, 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.*