Debt Payoff Planner- Debt Free

Take control of your debt payoff journey with a clear, organized plan.

Debt Payoff Planner helps you track loans and credit cards, compare payoff strategies, record payments, estimate your debt-free date, and understand your progress—all in one place.

BUILD YOUR DEBT PAYOFF PLAN

• Add credit cards, personal loans, student loans, auto loans, home loans, medical debts, EMIs, and other balances.
• Track balance, APR, minimum payment, due date, lender details, notes, and payment history.
• View an estimated payoff schedule and projected debt-free date.
• Record payments and monitor how each payment affects your remaining balance.

COMPARE PAYOFF STRATEGIES

Choose the approach that works best for you:

• Debt Snowball — focus on smaller balances first for motivational wins.
• Debt Avalanche — focus on higher interest rates first to potentially reduce interest.
• Custom Strategy — arrange debts in your preferred payoff order.

Compare estimated timelines and interest outcomes before choosing your strategy.

TRACK YOUR PROGRESS

• View total remaining debt and payoff progress.
• Follow upcoming payment dates in the calendar.
• Review monthly progress and payment history.
• Celebrate payoff milestones.
• See estimated time and interest impact from extra payments.
• Use Stress-Free Mode for a calmer planning experience.

REMINDERS AND PLANNING TOOLS

• Set payment due-date reminders.
• Receive optional weekly and monthly planning notifications.
• Explore extra-payment scenarios before applying them.
• View reports, charts, payoff roadmaps, and debt portfolio insights.
• Share text-based progress summaries.
• Choose your preferred currency, locale, theme, and reminder settings.

OPTIONAL PREMIUM FEATURES

Debt Payoff Planner can be used for free with up to three debts and advertising.

Optional Premium plans may unlock:

• Unlimited debt tracking
• Guided Debt Coach
• PDF report export
• Applying simulated extra-payment plans
• Ad-free use

The Friends & Family plan also allows you to add household members, assign debts, and view household payoff information. Household members are planning profiles within your account.

ACCOUNT AND PRIVACY CONTROLS

Sign in to synchronize supported planner data across your devices. Debt Payoff Planner does not connect to or access your bank accounts. You remain in control of the information you enter.

You can manage privacy choices, update your profile, restore purchases, log out, or permanently request account deletion from within the app.

SUBSCRIPTIONS

Premium subscriptions are processed through Google Play. Available plans, billing periods, trial eligibility, and prices are displayed before purchase and may vary by country. Subscriptions renew automatically unless canceled through Google Play before the renewal date. Purchases can be restored from the app.

IMPORTANT DISCLAIMER

Debt Payoff Planner provides educational planning tools, estimates, and projections only. It does not provide financial, investment, credit, legal, or tax advice. Results are estimates based on the information you enter and are not guaranteed. Consider consulting a qualified professional before making major financial decisions.

Recent changes:
• Improved loan detail - see your 3 most recent payments at a glance
• Full payment history - tap View all to browse every logged payment
• Smoother splash experience with an animated app name intro
• Stability improvements for Google Sign-In and Premium purchases
• Bug fixes and performance improvements
Thank you for using Debt Payoff Planner. Keep going - you're closer to debt-free!