Debt Payoff Planner vs Debt Payoff Planner: Tracker
Debt Payoff Planner
debtpayoffplanner.com
Debt Payoff Planner: Tracker
debtpayoff.appSide by side
| Figure | Debt Payoff Planner | Debt Payoff Planner: Tracker |
|---|---|---|
| Price from | $2/mo | $2.50/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | — |
| Plans published | 2 | 6 |
| Spec score · Debt Management Software | 8.2 (#5) | 8.8 (#2) |
| Payoff strategies | The planner supports debt avalanche, debt snowball, and custom payoff orders. | It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. |
| Purpose | Debt Payoff Planner helps people create and follow a plan to become debt-free. | 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 email [email protected] for questions, comments, or suggestions. | 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 Payoff Planner
Debt Payoff Planner is a tool for building and following a plan to become debt-free. It supports debt avalanche, debt snowball, and custom payoff orders, and lets users compare how monthly or biweekly extra payments may change the payoff timeline. Debt records can include promotional APRs, payment frequency, due dates, and minimum payment calculations. Users enter payments and new expenses themselves; the planner then updates balances and the payoff plan. It does not connect to financial accounts. The service runs on Android, iOS, and web. Its Free plan is free, and Pro is $2 a month. The maker describes Pro as adding features for more complex situations and says multi-device access is available to Pro members. An account provides secure login and backed-up data, according to the maker. The product is intended for people managing debts such as credit cards, car loans, or student loans on an ordinary income. Its information is not official financial advice.
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.