Debt Payoff Planner: Tracker vs FinEase Advocate Portal
Debt Payoff Planner: Tracker
debtpayoff.appFinEase Advocate Portal
financialease.com.auSide by side
| Figure | Debt Payoff Planner: Tracker | FinEase Advocate Portal |
|---|---|---|
| Price from | $2.50/mo | $59/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| API | — | Yes |
| Plans published | 6 | 3 |
| Spec score · Debt Management Software | 8.8 (#2) | 8.6 (#3) |
| Purpose | The app records debts and payments, compares payoff strategies, and tracks progress; it is a planning tool, not a lender or debt settlement service. | FinEase Advocate Portal helps financial counsellors and consumer advocates manage clients’ hardship cases across lenders in one shared workspace. |
| Support | Support is offered through the app listing or the maker’s contact form and email. | Terms specify email support during Australian business hours, 9am–5pm AEST Monday to Friday. |
| What it does | The product is an iPhone debt tracker that records debts and payments and compares snowball and avalanche payoff plans. | FinEase Advocate Portal is a shared workspace for financial counsellors and consumer advocates managing hardship cases across lenders. |
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
FinEase Advocate Portal
- InvitedFree
- Solo$59 a month
- PracticePriced on request
In their own words
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.
FinEase Advocate Portal
FinEase Advocate Portal helps financial counsellors and consumer advocates manage clients’ hardship cases with lenders in a shared workspace. A single dashboard displays cases across lenders, and advocates can connect with FinEase lenders and submit applications for clients. The portal tracks each case’s response deadline and alerts users as dates approach. Case files hold communications, documents, decisions, and notes in a searchable location; messages sent and received through the platform are timestamped and stored. Reporting covers outcomes, response times, and lender performance. Users must register their practice and verify their credentials as a financial counsellor or consumer advocate before full access. The service is described as Australian-hosted. The free Invited plan includes single-lender access and 1 GB of storage. Special pricing is offered to registered NFPs and community organisations, subject to contacting the vendor.