Debt Tracker: Payoff Planner

Know your debt-free date. Pay off debt faster.

Debt Tracker is a free debt payoff planner and debt snowball app that shows your exact debt-free date and the order to pay off every credit card and loan with the least interest. Compare Snowball vs Avalanche, see what extra payments save, and track every payment until each balance hits zero.

HOW IT WORKS
1. Add your debts: balance, APR and minimum payment from your statement
2. Pick Debt Avalanche (highest APR first), Debt Snowball (smallest balance first) or your own custom order
3. Set your extra monthly payment
4. Follow your payoff plan and mark each payment as you make it

Your debt-free date is recalculated every time you pay.

DEBT SNOWBALL VS DEBT AVALANCHE
• Avalanche targets the highest interest first and usually saves the most money
• Snowball clears the smallest balances first for quick wins and momentum
• Compare both side by side: total interest, months to debt-free and payoff order
• Prefer your own order? Set a custom priority

DEBT PAYOFF CALCULATOR WITH EXTRA PAYMENTS
What if you paid $50, $100 or $200 more each month? Use the extra payment calculator for credit card payoff and loan payoff, and see the months and interest you would save from your own balances. No spreadsheet needed.

DEBT PAYMENT TRACKER AND PAYOFF SCHEDULE
• Monthly payment schedule with upcoming and completed payments, plus a calendar
• One-tap Mark Paid for minimum and extra payments
• Full amortization table for each debt: principal, interest and balance, with CSV export
• Debt repayment timeline that shows your total balance heading to zero

STAY MOTIVATED UNTIL YOU ARE DEBT FREE
• Monthly reports: remaining balance, interest saved and months saved
• Payment streaks and achievement badges
• Coach recommendations that find the extra payment that moves your date the most

ORGANIZE ALL YOUR PERSONAL DEBTS IN ONE PLACE
Credit card debt, student loans, auto loans, personal loans, medical debt, mortgages and tax debt. Use the APR from your statement or an editable estimate for each debt type. Whether you owe $5,000 or $50,000, the plan adapts to your budget.

HOLIDAY SPENDING? PLAN YOUR JANUARY NOW
Cards filling up this season? Add them today, set an extra payment and see when you will be debt free.

PRIVATE BY DESIGN
No bank login. No account required. Your debts stay on your device, with export and restore for backups.

DEBT TRACKER PRO
Free to start. Pro unlocks unlimited debts, the payoff simulator, strategy comparison and coach recommendations with a monthly or yearly plan. Cancel anytime in Google Play.

Download the debt payoff planner and find out your debt-free date today.

Debt Tracker gives projections based on the balances, APRs and payments you enter. It is not financial advice and does not offer loans, credit or debt relief.

Recent changes:
Find your debt-free date faster.
• See how much interest and how many months an extra $50, $100 or $200 a month saves
• Compare Avalanche vs Snowball side by side
• Mark each payment paid with one tap and watch your date move closer
• Monthly reports show interest saved and months saved
Free to start. Add your cards and loans and get your payoff plan in under a minute.