Debt Payoff Planner: Tracker

Debt Payoff Planner is a debt payoff app for iPhone. Enter your loans, credit cards and other debts, compare the snowball and avalanche methods, see your estimated debt-free date, and record every payment. No account and no bank connection: your data stays on your device.

WHO IT IS FOR
People paying off one or several debts who want one clear plan: which debt gets the extra money first, when each debt is paid off, and how much interest the plan saves. It works both ways: track loans, credit cards and mortgages you owe, plus money friends or family owe you.

WHAT YOU CAN DO
- Add debts with balance, interest rate, monthly payment and due date
- Track debts you owe and debts owed to you
- Categorize debts (credit card, auto loan, student loan, mortgage or custom)
- Log payments; balances and progress update automatically
- See the principal vs interest breakdown of each payment
- Get reminders before due dates and see which debts are overdue

PAYOFF STRATEGIES
- Snowball: smallest balance first, for quick wins
- Avalanche: highest interest rate first, to pay less interest
Enter an extra monthly amount and compare both methods: debt-free date, months to go and estimated interest. When one debt is paid off, its payment moves to the next one.

STATISTICS
- Total debt overview for debts you owe and debts owed to you
- Debt-free date countdown
- Payment breakdown charts and monthly payment trends
- Average monthly payment

ACHIEVEMENTS
- Progress badges at 25%, 50%, 75% and 100%
- Streaks for on-time payments
- Celebration screens when you reach a goal

FREE AND PREMIUM
Free: up to 3 debts, payment logging, reminders, the debt-free estimate and basic statistics.
Premium adds:
- Unlimited debts
- Strategy comparison with the exact payoff order
- Advanced statistics and charts
- Debt-free date forecast
- Payment streak tracking and global achievement badges
- PDF report export

ALSO INCLUDED
- Loan calculator to estimate a new loan
- Works offline
- No account required
- 13 languages

PRIVACY
Debt Payoff Planner does not connect to your bank and does not access financial accounts. You enter debts manually and track payments yourself. Your records are stored on your device.

SUBSCRIPTION
Monthly: $4.99/month.
Yearly: 7-day free trial, then $29.99/year.

Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours before the end of the current period. You can manage and cancel subscriptions in your App Store account settings after purchase.

Privacy Policy: https://debtpayoff.app/privacy
Terms of Use: https://debtpayoff.app/terms