CreditSoft vs Debt Payoff Planner: Tracker
CreditSoft
creditsoft.com
Debt Payoff Planner: Tracker
debtpayoff.appSide by side
| Figure | CreditSoft | Debt Payoff Planner: Tracker |
|---|---|---|
| Price from | $1,095/mo | $2.50/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| iOS | — | Yes |
| API | Yes | — |
| Self-hosted | Yes | — |
| Plans published | 4 | 6 |
| Spec score · Debt Management Software | 8.1 (#6) | 8.8 (#2) |
| Purpose | CreditSoft is an agency platform for credit counseling, debt management, housing services, and related financial services. | The app records debts and payments, compares payoff strategies, and tracks progress; it is a planning tool, not a lender or debt settlement service. |
| Support | Technical support is available through a support portal, email, and phone, and the Customer Hub lists dedicated technical-support contact details. | Support is offered through the app listing or the maker’s contact form and email. |
Plans
CreditSoft
- Professional implementation$5,500, paid once
- Front-End Essentials$13,140 a year
- Professional$29,940 a year
- CustomPriced on request
Debt Payoff Planner: Tracker
- FreeFree
- FreeFree
- Premium monthly$4.99 a month
- Premium monthly$4.99 a month
- Premium yearly$29.99 a year
- Premium yearly$29.99 a year
In their own words
CreditSoft
CreditSoft has no write-up on Specifiction yet; its figures are above.
Debt Payoff Planner: Tracker
Debt Payoff Planner: Tracker is an iPhone app and web-based planning tool for recording debts, logging payments, comparing payoff methods, and following progress. It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. Users can review payment history, set reminders, and see a debt-free estimate. The app tracks both money users owe and money owed to them, and works offline. Debts are entered manually; the app does not connect to a bank or request bank login details. Records stay on the user's iPhone and private iCloud rather than the developer's servers, though purchases, analytics, and diagnostics use service providers. The free plan covers up to three debts. Premium monthly costs $4.99 a month, while Premium yearly costs $29.99 a year and includes a 7-day free trial. Paid plans add unlimited debts, exact strategy order comparisons, advanced statistics, and PDF reports. The app requires iOS 26 or later; the website also offers browser-based payoff calculators without an account.