# Debt Payoff Plan Calculator vs Debt Magic

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.

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.

## The numbers

| Metric | Debt Payoff Plan Calculator | Debt Magic |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (137 ratings)](https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289/reviews) | **[4.8 (19 ratings)](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews)** |
| Number of ratings | **137** | 19 |
| Positive reviews | 41.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free | Free |
| Size | 5 MB | 33 MB |
| Requires iOS | **13.2** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [AppRebel, Inc.](https://appshunter.io/developer/1227876283) | [Changed Inc.](https://appshunter.io/developer/1164559382) |

## 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 Magic

[App page](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437)

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.

**Highlights:** Debt payoff calculator, Compare Snowball vs. Avalanche methods, Visualize extra payment impact, Track principal vs. interest, Consolidate all debt types

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Payoff Plan Calculator free?

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

### Is Debt Magic free?

Debt Magic is free to download, with no in-app purchases.

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

Debt Magic is rated higher. Debt Payoff Plan Calculator averages 3.4 out of 5 from 137 ratings, while Debt Magic averages 4.8 from 19 ratings.

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

Neither Debt Payoff Plan Calculator nor Debt Magic shows ads.

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

Debt Payoff Plan Calculator ships an update every 2 months, and Debt Magic weekly. Most recently, Debt Payoff Plan Calculator was updated on October 29, 2026 and Debt Magic on October 24, 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.*