Debt Payoff Plan Calculator vs Debt Magic
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Debt repayment strategy calculator
- Snowball method options
- Highest balance first strategy
- Detailed payment schedules
- Debt payoff graphs
- Strategy comparison
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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.
Debt Magic
This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.
- Debt payoff calculator
- Compare Snowball vs. Avalanche methods
- Visualize extra payment impact
- Track principal vs. interest
- Consolidate all debt types
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Debt Magic is a completely FREE debt-payoff calculator that makes your plan crystal clear. Add your credit cards, student loans, auto loans, personal loans or mortgage and instantly see payoff dates, total interest, and how much faster you can be debt-free. What you can do: - Compare methods: Snowball (smallest balance first) vs. Avalanche (highest APR first). - See the impact of extra payments: add $10–$100+ and watch the payoff date move. - Amortization made simple: track principal vs. interest over time with clean charts and tables. - All debts, one place: credit cards, student loans, auto, mortgage, personal loans. - Visualize your plan for your debt payoff: use the loan calculator and debt payoff calculator to map your path. - Earn rewards and cash with our bonus rewards dashboard. Debt Magic is free to use so you can focus on what matters, paying off debt faster.
Screenshots
Verdict
The clearest difference is review sentiment: Debt Magic at 100% against Debt Payoff Plan Calculator's 42%. Debt Magic also leads on rating (4.8 vs 3.4) and update cadence (weekly vs every 2 months). Debt Payoff Plan Calculator's advantage is ratings volume (137 vs 19) and device support (3 vs 1). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Debt Magic holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: Debt Payoff Plan Calculator has 137 ratings behind it against 19, 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 100% of Debt Magic's.
Debt Payoff Plan Calculator ships an update every 2 months, Debt Magic weekly. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | Debt Payoff Plan Calculator | Debt Magic |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (137 ratings) | 4.8 (19 ratings) — better |
| Positive reviews | 41.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 137 — better | 19 |
| Update frequency | Every 2 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 13.2 — better | 16.0 |
| Further details — not scored | ||
| Size | 5 MB | 33 MB |
| Age rating | 4+ | 4+ |
| Developer | AppRebel, Inc. | Changed Inc. |
Customer experience
Debt Payoff Plan Calculator
Debt Magic
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')
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- 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
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- 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 Magic
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Debt Payoff Plan Calculator
No in-app purchases
Debt Magic
No in-app purchases
Questions
Is Debt Payoff Plan Calculator free?
Is Debt Magic free?
Which has better reviews, Debt Payoff Plan Calculator or Debt Magic?
Do Debt Payoff Plan Calculator or Debt Magic have ads?
Which is updated more often, Debt Payoff Plan Calculator or Debt Magic?
Other comparisons
