Debt Payoff Planner: Tracker vs Debt Payoff Pro

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.

Debt Payoff Pro is a paid iOS app for organizing debt repayment with the debt snowball method. It lets users choose lowest balance first, highest balance first, highest interest first, or a custom ordering strategy. The App Store listing says an unlimited number of debts can be tracked. Scheduled payments can be marked paid, and extra principal payments can be entered. Reports show total interest, amount paid, remaining debt, and payoff date. Charts and an amortization table show interest, principal, and remaining balance for each payment. Payment-due notifications can be enabled with a chosen notification time. Passcode protection is available for financial information. Payment lists and amortization schedules can be exported as HTML by email. Data can be backed up to a computer and restored through iTunes file sharing. Debt Payoff Pro costs $0.99, paid once. A separate free Debt Payoff Lite version is available.