Debt Payoff Planner & Tracker is a finance app developed by Easily get a plan and stick to it - OxbowSoft LLC.
How many times has Debt Payoff Planner & Tracker been downloaded?
Debt Payoff Planner & Tracker has been downloaded 770 thousand times. In the last 30 days, the app was downloaded 4.2 thousand times. It is ranked in the top 100 finance apps.
What is the rating of Debt Payoff Planner & Tracker?
Debt Payoff Planner & Tracker is rated 4.43 out of 5 stars, based on 4.4 thousand ratings.
Is Debt Payoff Planner & Tracker free?
Debt Payoff Planner & Tracker is free to download. The APK download size is 2.67 MB. The latest version available is 2.54. The last update was on February 9, 2026.
What are the requirements for Debt Payoff Planner & Tracker?
Debt Payoff Planner & Tracker requires Android 5.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play January 2015.
Description
The Debt Payoff Planner 📱 app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans 🎉. Today is the day to make a plan with a loan calculator and begin paying down debt.
With Debt Payoff Planner, calculating your debt-free date and getting a customized debt repayment schedule is as easy as entering basic information about your loans: current balance of the loan, annual percentage rate (APR), and minimum payment amount.
Easy steps to becoming debt free with Debt Payoff Planner:
Enter your loans and debts Enter your additional monthly payment budget to pay down faster Choose a debt payoff strategy ☃️ Dave Ramsey's Debt Snowball (lowest balance first) 🏔️ Debt Avalanche (highest rate first) ❄️ Debt Snowflake (one-time extra payment toward loans) ♾️ Custom debt free payoff plan
Debt Payoff Planner and Calculator determines the optimum payment plan and how long it will take until you will be debt free. You tell the app how much you want to budget toward paying off your debt and we'll tell you how. We recommend the Debt Snowball strategy because we believe that paying off individual accounts faster will help you stay focused on your financial goal of debt elimination. A payoff plan is only useful if you stick with it!
Your ability and willingness to pay more than the minimum payments is how you will become debt free in less time than you imagined. Budgeting your income will help you to get a regular monthly amount to pay down the debt faster. The payoff chart will show two payoff scenarios: only paying the minimum amounts, and the repayment schedule when you pay more the the minimum ever month.
Additionally, there is an option to create an account for saving debt payoff and payment information. This account can be accessed across multiple devices, from multiple app stores. Creating an account enables you to have a secure backup and your information is immediately available if you start using a new device. Getting out of debt is hard, so we try to allow you to take baby steps toward this goal.
We believe that becoming debt free requires an easy starting point and making sure every dollar is leveraged perfectly. The loan calculator has minimal inputs in order to make your money management easy to follow.
The Debt Payoff Planner and Calculator is also used for tracking payments and updating the time-frame for becoming debt-free. Inputting payment information is as simple as typing in the amount and the date the payment was made. The goal of payment tracking is to see your progress over time and affirm that you are staying focused on your financial goals.
In addition to being a debt tracker and loan calculator, the apps points out some possible next steps with articles focused on how to pay off student loans, auto loans, and credit cards faster. Also, there are some tips on credit card balance transfers as well as strategies for debt consolidation.
Eight different loan categories are available to help plan track and visualize your unique situation: 💳 Credit Cards like Capital One, Citicard, Chase, etc. 🎓 Student Loans like Navient, Sallie Mae, Great Lakes, etc. 🚗 Auto / Car Loans 🏥 Medical Loans 🏠 Mortgages like Rocket Mortgage, SoFi, etc. 👥 Personal Loans to friends and family or other individuals 🏛️ Taxes like IRS or local municipalities 💸 Other category could be anything from a paycheck loan to a hard money loan
In addition to the Debt Snowball calculator and the Debt Avalanche method, many users like to do a custom sorting of their debts. This customization is available for users that want to be their own debt manager.
Debt Payoff Planner supports Debt Snowflake payment as well. A Debt Snowflake is a one-time debt payment from things like a bonus at work, a tax refund, an extra payday, etc. This additional capability allows you to have tighter control over every dollar you are budgeting.
Recent changes: Improvements to currency prediction to make getting your payoff plan as simple as possible
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Comments on Debt Payoff Planner & Tracker for Android
★★★★★logan gumbert· Oct 30, 2025
Just downloaded and it's exceeded my expectations. The essential features are free, and it provides a robust amount of them. Plug in your debts, and it calculates everything; payments, interest, time until payoff. I pair this with the budget calendar app (for tracking income and everyday expenses) and it really helps with staying on top of finances.
★★★★★Laura Ramsey· Mar 31, 2026
This is so useful! I finally have a resource that focuses solely on debt payoff. I use it for debt and basic monthly bills: utilities, insurance, rent/mortgage. I love that the Debt Payoff Planner takes into account the interest rates and promotional interest rates on all catds and then automatically gives me a plan that tells me which card should be paid off next using the strategy I prefer (snowball or avalanche). I love it. It gives vision, insight, strategy, and a practical tracker.
★★★★★c “THESE ARE THE LAST DAYS” BRUTUS· Feb 2, 2026
Love it. Please do not make changes in this! !!! Love the app. Don't know how others have issues. All I can say is that it has helped me keep track of my debts.
★★★★★Renee Ojeda· Jul 21, 2025
I love this app! I can easily enter and see all my debts in one place and make a plan to pay them all off! If I stick to the plan I have everything paid off in 8 years including my 29 years left on my mortgage!
★☆☆☆☆lizzie timms· May 31, 2026
Can keep track of your debts but not your payments
★★☆☆☆Danelle Smith· Jun 1, 2026
It's so easy to keep track of debts and so satisfying to check each one-off. Its giving me little wins along the way to paying off debt!
★★☆☆☆Jasmine Flores· Aug 13, 2025
I don't like that you can't add an income. For the CC payments I didn't understand how it calculated the math when the balance changed. I think this only works for static debts not for cc cards you continually use. A way around it that I found was to delete and readd the CC. Also, it's not such for fluctuating expenses like electricity and water that isn't the same each month. Again another way I found was to delete and add again the following month. Which is a little annoying.
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