Debt Organizer vs Debt Payoff Planner: Tracker
Debt Organizer
debtorganizerapp.com
Debt Payoff Planner: Tracker
debtpayoff.appSide by side
| Figure | Debt Organizer | Debt Payoff Planner: Tracker |
|---|---|---|
| Price from | Free | $2.50/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| macOS | Yes | — |
| iOS | Yes | Yes |
| Plans published | 1 | 6 |
| Spec score · Debt Management Software | 7.8 (#13) | 8.8 (#2) |
| Bank connection | The FAQ says the app is organized around information saved for planning and review and directs users to verify official account information with their financial institutions. | Users enter debts manually, and the app does not connect to a bank or request a bank login. |
| Maker | The App Store identifies Damian Martinez as the developer and seller. | The app is made by Linas Nutautas, an independent iOS developer. |
| Purpose | Debt Organizer organizes debts, bills, payments, reminders, payoff progress, and planning tools around monthly financial obligations. | 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 | Users can contact support through the in-app Message Us feature or by emailing [email protected]. | Support is offered through the app listing or the maker’s contact form and email. |
Plans
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
Debt Organizer
Debt Organizer is a free app for keeping debts, recurring bills, payments, reminders, and payoff plans in one monthly view. It tracks cards and loans with balances, APRs, credit limits, minimum payments, payoff dates, and history. Recurring bills can be categorized and followed by due date, reminder, and paid status, while a calendar brings upcoming, completed, and remaining payments together. Planning tools include a Paycheck Planner, an Extra Payment Impact Calculator, and a comparison of Debt Snowball and Debt Avalanche approaches. Its Credit Score Estimator is educational, not an official score or a recreation of credit bureau models. Zyro can summarize activity, explain payoff scenarios, and compare payment choices using saved information. Data stays on the device, with optional Apple-managed iCloud syncing for users signed in with Apple; the developer says it cannot access private financial data in the app. The app supports iPhone and iPad with iOS 26.2 or later or iPadOS 26.2 or later. Mac compatibility is listed for macOS 26.2 or later on Apple M1 or later.
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.