Debt Plan: Payoff Tracker

Keep all your debts and loans in one place, create a clear payoff plan, and instantly see how much to pay each month, what payment comes next, and when your debt may be fully paid off.

Debt Plan is a simple debt tracker and payment planner for credit cards, personal loans, auto loans, and other debts. It helps you see your remaining balance, track progress, and turn a large debt into a clear step-by-step path toward zero.

All your debts in one place

Add each debt separately and see the full picture without spreadsheets or scattered notes.

For each debt, you can see:

• current and original balance;
• minimum payment;
• next payment date and amount;
• amount already paid;
• payoff progress;
• estimated payoff date.

Create a payoff plan

Choose the approach that works for you:

• pay off the debt within a certain number of months;
• pay it off by a selected date;
• pay a specific amount every month.

Debt Plan calculates an estimated monthly payment, number of payments, total amount paid, and projected payoff date.

Know what to pay next

After creating a plan, you get a clear monthly payment schedule. For every payment, you can see the date, planned amount, and expected remaining balance.

This helps you stay organized across multiple debts and always know your next step.

Track actual payments

After you make a payment to your lender or creditor, record it in Debt Plan.

The app will:

• reduce the recorded balance;
• update your progress;
• save the payment in your history;
• recalculate future payments;
• update the estimated payoff date.

Your actual payment can be different from the planned amount — the payoff plan adapts to your real situation.

Account for debt increases

New credit card spending, fees, interest, or a manual adjustment? Add the amount using the “Increase debt” feature.

Your current balance and future payoff plan will be recalculated to reflect the change.

See what happens if you pay more

Change the amount available for monthly payments and compare the updated projection. You can immediately see how extra payments may affect your payoff timeline.

If you know the interest rate

Add the annual interest rate to get a more detailed projection and an estimated amount of interest paid.

If you do not know the rate, Debt Plan can still create an estimated payoff plan, but it will not include actual bank interest, fees, or other charges from your lender.

See the full picture

The Overview screen brings together the most important information:

• total debt;
• total minimum payments;
• available monthly payoff amount;
• overall progress;
• upcoming payments;
• estimated time until full payoff.

Open the app and immediately see where you are now and what comes next.

Important

Debt Plan is a personal debt tracking and planning tool. It is not a bank, lender, payment service, or financial advisor.

The app does not issue loans, accept loan applications, transfer money, or make payments. All financial transactions are completed by the user outside Debt Plan. The app is used only to manually record information, track progress, and calculate payoff projections.

All calculations are informational and estimated. Debt Plan helps you track debts, payments, progress, and maintain a clear path toward gradually paying your debts down to zero.

Recent changes:
Debt Plan helps you organize debts and loans in one place, create clear payoff plans, track actual payments and progress, and see your estimated payoff date. Keep upcoming payments, balances and your overall debt picture easy to understand.