Payoff Path – Debt Tracker

Keep every loan, credit card and line of credit in one place, and find out exactly when you'll be debt-free.
Enter your monthly budget and the app simulates your payoff with daily interest calculations. It also tells you ahead of time whether your cash will last until payday.
There's no limit on the number of loans, and all the calculations and records are free.

■ Will it last until payday? (Premium)
• Home shows whether your cash will last until your next payday, with an alert 3 days before you're likely to run short
• Forecast balances per account (bank, cash, e-wallet), credit card bills and installment plans together
• An "Until payday" widget, and export to the iPhone Calendar

■ Home
• Total balance, progress, this month's payments, payoff date and the interest still to come, at a glance
• A checklist for this month: target, paid so far and what's left for each loan
• Balance breakdown (pie chart) and balance over time (actual and forecast)

■ Payoff simulation
• Set a total monthly payment and compare "minimums only", "highest rate first" (avalanche) and "smallest balance first" (snowball)
• When a loan is paid off, its payment automatically rolls over to the others
• Add extra in bonus months, or work back from a target date to find the monthly amount you need
• Compare with refinancing or consolidating

■ Payment history
• Record payments for several loans at once, and correct interest or balance to match your statement
• Handles additional borrowing and balance adjustments
• Reports show how your balance changed over any period, split into principal and interest

■ Payment calendar
• See due dates, payments made, overdue items and new borrowing month by month
• Due dates that fall on a weekend can move to the previous or next business day

■ Flexible terms
• Promotional (introductory) rates and rate changes
• Payments on a fixed day each month, or every 35 days
• Works with your local currency

■ Private by design
• Your data stays on your device (iCloud sync only if you turn it on)
• Face ID lock, due date reminders, home screen widget
• Backup export and restore
• Lock screen widgets
• Export your history and payoff plan as CSV
• Milestone celebrations at 25%, 50% and 75% paid

■ Premium (one-time purchase)
• Removes ads
• Cash flow calendar: add your salary and bills to see whether you'll have enough on each due date
• Home and widget show whether your cash lasts until payday, with an alert 3 days before you run short
• Balances per account, credit card bills and installment plans
• Save and compare payoff scenarios, including one-off extra payments
• A printable PDF of your loans and payoff plan
• Milestone cards
• Export due dates and planned income/expenses to the iPhone Calendar
• Alternative app icons that don't look like a debt app
• Import planned expenses into the monthly payment memo

※ Results are estimates. Check your actual interest and amounts due with your lender.
※ This app does not recommend borrowing or refinancing.