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App Imp

Debt payoff app.

UX runs in 7 of the 10 apps here — nobody on this shelf has fixed it.

10 apps · 2,463 reviews held · 930 negative · 2026-08-24 snapshot

56/100 opportunity

6 of 6 factors · not advice
Nobody's fixed it7 of 10 apps70
How far above typical8.3% vs 2.9% typical73
How angrystar2.7 · 77 reviews21
People in the market183,251 ratings42
Room to enterleader holds 46% of ratings54
Willingness to pay6 of 10 charge · $7.49 entry60

Mostly solved: ads. 7 of 8 apps run below the store’s typical rate on it — while 7 of 10 still carry ux complaints.

How this is scored

Weighted mean of the sub-scores, weights re-normalized over whatever is computable (nobody's fixed it 25 · how far above typical 20 · how angry 15 · people in the market 15 · room to enter 15 · willingness to pay 10). Fixed anchors map each count to 0–100: breadth and willingness-to-pay are straight shares; the gap’s heat tops out at 4times the store’s typical rate; anger scores star3 as 0 and star1.5 as 100; reach runs 104 to 107ratings on a log scale; room to enter is one minus the leader’s share of shelf ratings. A factor that cannot be counted is dropped and named — never imputed. The site’s one composite (#115, owner decision 2026-08-15); cited industry benchmarks are never blended in.

5 gaps.

01

UX — unfixed in 7 of 10 apps

high · 8.3% of this shelf’s 930 negative reviews, against 2.9% typical store-wide, at 2.68star average anger.

What they said · 77 reviews
“UI changes are just ridiculous — 2nd time in a few years that they’ve made the DUMBEST changes to the UI. I use this app for how friendly the user interface was. You seriously need to fire whoever thought the most recent change was a good idea. The app is now ugly and just as boring as every other budgeting all out there. It’s time to start looking for a different system.”YNAB · 2star · Aug 14, 2026
“Constant Useless and Confusing Updates Recently — Have been a used for years. Recent updates bury my budgeting info multiple clicks deep so I can no longer see the useful info (how much money I am aiming for, nave, and need) without multiple clicks. Was all set to get an account for my child before college. Now I am looking to see when my current subscription expires so I can be sure it doesn’t au”YNAB · 1star · Aug 14, 2026
“Not Worth The Subscription ❌ — YNAB used to be the gold standard for budgeting, but it feels like every update makes the app worse. Instead of improving the core budgeting experience, the team keeps making changes that add more clicks, more friction, and more confusion. It feels like change for the sake of change, not because users asked for it. What many longtime users want is simple: go back to”YNAB · 1star · Aug 14, 2026
How it compares
this shelf
8.3%
77 of 930
store-wide
2.9%
typical
breadth
70%
7 of 10 apps
02

Login & auth — unfixed in 10 of 10 apps

high · 31.7% of this shelf’s 930 negative reviews, against 13.2% typical store-wide, at 2.44star average anger.

What they said · 295 reviews
“Works well until it doesn’t! — Im glad I downloaded the free version, its great, but it crashed after four weeks and I can’t login anymore. It has been three days so far, I found another expense tracker. Again, its great if it works! Again, it’s the best app, if it’s working! Maybe stick to the free version until you can trust it enough! Nevertheless, I’ve deleted and downloaded the app multiple t”EveryDollar: Budget Management · 3star · Aug 21, 2026
“Ehhh it’s alright — it has potential but unfortunately it would not connect with our bank correctly and our balance never matched what was actually in our bank account. Might be a bank connection issue or the app I am not sure. But it was very frustrating going into the app all the time and trying to fix everything. Ynab would label something as “inflow” when it was actually “spending” so this mes”YNAB · 2star · Aug 14, 2026
“Constant Useless and Confusing Updates Recently — Have been a used for years. Recent updates bury my budgeting info multiple clicks deep so I can no longer see the useful info (how much money I am aiming for, nave, and need) without multiple clicks. Was all set to get an account for my child before college. Now I am looking to see when my current subscription expires so I can be sure it doesn’t au”YNAB · 1star · Aug 14, 2026
How it compares
this shelf
31.7%
295 of 930
store-wide
13.2%
typical
breadth
100%
10 of 10 apps
03

Support — unfixed in 9 of 10 apps

elevated · 15.7% of this shelf’s 930 negative reviews, against 9.2% typical store-wide, at 2.13star average anger.

What they said · 146 reviews
“Zero customer support — I’ve experienced many of the issues in this review - duplicate transactions, banks disconnecting, transactions not being cleared when deleted or categorized. I was willing to keep trying but I have created multiple support tickets and literally no one gets back to you. I like the UI but I am in the process of transitioning to another app. Edit: after nearly 2 weeks, still”EveryDollar: Budget Management · 2star · Aug 22, 2026
“Not Worth The Subscription ❌ — YNAB used to be the gold standard for budgeting, but it feels like every update makes the app worse. Instead of improving the core budgeting experience, the team keeps making changes that add more clicks, more friction, and more confusion. It feels like change for the sake of change, not because users asked for it. What many longtime users want is simple: go back to”YNAB · 1star · Aug 14, 2026
“Farewell — After three years, I am switching to Copilot Money. On the one hand, YNAB did wonders for my finances. I have truly learned how to manage my credit cards and not carry a balance. Our savings and investments are up. Our bad debt is almost gone. But, it hasn’t been easy. A primary issue is manual and imported transactions not matching up. The interface is not user-friendly. I have wasted”YNAB · 3star · Aug 4, 2026
How it compares
this shelf
15.7%
146 of 930
store-wide
9.2%
typical
breadth
90%
9 of 10 apps
04

Billing — unfixed in 10 of 10 apps

elevated · 44.9% of this shelf’s 930 negative reviews, against 32.1% typical store-wide, at 2.64star average anger.

What they said · 418 reviews
  • Price judged too high for the value33 of 418
  • Cancellation blocked or broken4 of 418
  • Trial converted without clear consent4 of 418
“Zero customer support — I’ve experienced many of the issues in this review - duplicate transactions, banks disconnecting, transactions not being cleared when deleted or categorized. I was willing to keep trying but I have created multiple support tickets and literally no one gets back to you. I like the UI but I am in the process of transitioning to another app. Edit: after nearly 2 weeks, still”EveryDollar: Budget Management · 2star · Aug 22, 2026
“Always something wrong — Now it’s unusable. Says to update but just goes back and forth between the App Store and the App. Honestly this app sucks. It takes forever for the purchases to populate. This is supposed to help us budget not cause a bunch of issues. Uninstalling and unsubscribing.”EveryDollar: Budget Management · 1star · Aug 22, 2026
“The app badge is screwed uo 👎🏻 — This app is mostly good. But the app badge is really screwed up. It shows that there are transactions to log when there are none or else the number is wrong. If there are any, after I log them, a couple minutes later the badge shows that there 3 new transactions, but there are always none. It does this consistently. If it shows a number of transactions to log at o”EveryDollar: Budget Management · 2star · Aug 15, 2026
How it compares
this shelf
44.9%
418 of 930
store-wide
32.1%
typical
breadth
100%
10 of 10 apps
05

Accuracy — unfixed in 9 of 10 apps

elevated · 14.5% of this shelf’s 930 negative reviews, against 11.5% typical store-wide, at 1.80star average anger.

What they said · 135 reviews
“Zero customer support — I’ve experienced many of the issues in this review - duplicate transactions, banks disconnecting, transactions not being cleared when deleted or categorized. I was willing to keep trying but I have created multiple support tickets and literally no one gets back to you. I like the UI but I am in the process of transitioning to another app. Edit: after nearly 2 weeks, still”EveryDollar: Budget Management · 2star · Aug 22, 2026
“Always something wrong — Now it’s unusable. Says to update but just goes back and forth between the App Store and the App. Honestly this app sucks. It takes forever for the purchases to populate. This is supposed to help us budget not cause a bunch of issues. Uninstalling and unsubscribing.”EveryDollar: Budget Management · 1star · Aug 22, 2026
“The app badge is screwed uo 👎🏻 — This app is mostly good. But the app badge is really screwed up. It shows that there are transactions to log when there are none or else the number is wrong. If there are any, after I log them, a couple minutes later the badge shows that there 3 new transactions, but there are always none. It does this consistently. If it shows a number of transactions to log at o”EveryDollar: Budget Management · 2star · Aug 15, 2026
How it compares
this shelf
14.5%
135 of 930
store-wide
11.5%
typical
breadth
90%
9 of 10 apps

Is there a market for a new debt payoff app?

10 apps compete on this shelf, holding 2,463 App Store reviews — and the widest unfixed complaint, ux, runs in 7 of 10 of them at 8.3% of negative reviews against 2.9% typical. Those are counts, not a verdict — the page shows what is unfixed, not whether to build.

What do users complain about most in debt payoff app?

1. UX — in 7 of 10 apps, 8.3% of negative reviews; 2. Login & auth — in 10 of 10 apps, 31.7% of negative reviews; 3. Support — in 9 of 10 apps, 15.7% of negative reviews; 4. Billing — in 10 of 10 apps, 44.9% of negative reviews; 5. Accuracy — in 9 of 10 apps, 14.5% of negative reviews.

How many debt payoff app reviews did App Imp count?

2,463 US App Store reviews across 10 apps, 930 of them negative — counted on the 2026-08-24 snapshot, never estimated.

Searched on the App Store.

Apple’s own suggestions for debt payoff app terms, in their order.

budget managementdebt payoff plannerdebt snowball plannerpay off debt trackerpayoff plannerapps to pay off credit card debtdebt payoff planner & trackerevery dollar budget management

Who’s in it

All 10 apps counted on this shelf · 2026-08-24.

App
EveryDollar: Budget Management84,0251%25%12%44%
YNAB61,29219%25%10%36%
Debbie - Payoff, Save, Earn15,451—50%—25%
Debt Payoff Planner & Tracker7,2757%21%3%26%
Changed: Automate Debt Payoff5,4785%62%40%71%
Gauss: Payoff Credit Card Debt3,713—39%14%43%
Debt Payoff Box: Snowball Plan2,4286%6%3%40%
Ditch: Pay Off Debt Faster2,120—67%20%67%
Debt Snowball - Payoff Planner1,3334%4%9%48%
Debt Payoff Assistant1363%11%3%25%

Each cell: that app’s share of its own negative reviews. Bold from 1.15 times the store’s typical rate for that complaint, and only where an app holds 20+ negative reviews. Click a column to sort.

What they charge, and what it costs them

Prices from Apple’s public pages; the share counts payment-mechanics language only.

AppMoney complaints
YNAB$14.99–$109 · 2 tiers6% of 266
Debt Payoff Box: Snowball Plan$9.99–$9.99 · 1 tiers4.4% of 68
Debt Payoff Planner & Tracker$6.99–$41.99 · 5 tiers4.1% of 122
Changed: Automate Debt Payofffree2.8% of 212
EveryDollar: Budget Management$7.99–$129.99 · 7 tiers2.6% of 156
Ditch: Pay Off Debt Faster$5.99–$89.99 · 6 tiers0% of 15
Debt Snowball - Payoff Planner$6.99–$6.99 · 1 tiers0% of 23

What each one owns, where each is exposed

Rocket Money - Bills & Budgets

Owns. Mass reach (376,344 ratings), bill negotiation brand

Exposed. 66% negative; billing fraud complaints; 6-tier IAP ($2.99–$9.99); inaccurate data; no Zelle/Cash App

YNAB

Owns. Methodical budgeting, loyal power-user base (61,061 ratings)

Exposed. 48% negative; monstrous learning curve; pop-up ads inside a $109/yr subscription; features removed as price rises

EveryDollar: Budget Management

Owns. Dave Ramsey brand loyalty, 83,942 ratings, lowest neg rate among large apps

Exposed. 37% negative; recurring items locked at $17/mo; $129.99 max IAP tier alienates cost-sensitive users

Debt Payoff Planner & Tracker

Owns. Purpose-built debt focus, 5-tier IAP ($6.99–$41.99)

Exposed. 31% negative; convoluted payoff plan UX; login/data-loss bugs drive abandonment

Changed: Automate Debt Payoff

Owns. Automated micro-payment concept, 5,399 ratings

Exposed. 55% negative; forced paid upgrade without consent; account deletion nearly impossible; no real support

Debbie - Payoff, Save, Earn

Owns. 2% negative — lowest anger in set, 14,391 ratings

Exposed. No IAP data; model unproven at scale; thin reviews suggest limited engagement depth

Browse the apps behind these counts

Every app we count, with the complaint it runs furthest above the store’s typical rate.

Open the app library
How this is counted

Every number is arithmetic over the reviews we hold, re-counted weekly — nothing modelled, nothing scored. Themes come from a frozen pattern classifier rather than a model reading reviews, so the same review always lands in the same bucket. A shelf rate is pooled across every app here; the store rate is the same count across 12,122 apps. A complaint is only called a gap when at least half the shelf carries it and at least 20 reviews are behind it — a problem concentrated in one app is that app’s bug.