Debt Payoff Planner: Tracker vs Hardship Hub

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.

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