BalancePilot

Debt Payoff Planner

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Plan before you borrow with Loan Impact Preview, compare loan offers, schedule planned payments, and stay on top of your debt payoff goals. BalancePilot helps you decide what to pay next, understand the impact of your financial decisions, and build a realistic plan toward becoming debt free. Whether you’re paying off credit cards, auto loans, student loans, medical bills, personal loans, or other debt, BalancePilot gives you a clearer picture of your balances, payment obligations, utilization, and overall progress—all in one place. PLAN BEFORE YOU BORROW Understand how a new loan or purchase could affect your payoff journey before you commit. • Loan Impact Preview • Compare multiple loan offers • Save Planned Loans • Purchase Impact forecasting • Scan loan paperwork to auto-fill loan details • Estimate payoff timeline changes KNOW WHAT TO PAY NEXT BalancePilot analyzes your balances, due dates, minimum payments, utilization, planned payments, and available cash to help you prioritize what needs attention next. • Personalized payment recommendations • Due date and statement tracking • Planned Payments & AutoPay tracking • Credit utilization guidance • Credit Score Focus planning mode • Payday-aware payment planning • Smart account insights COMPARE PAYOFF STRATEGIES Explore multiple payoff approaches and see how different decisions affect your debt-free timeline. • Avalanche • Snowball • Smart Hybrid • Accelerated Payoff Compare strategies side by side and choose the approach that best fits your goals. PLAN AROUND REAL LIFE BalancePilot helps you make informed decisions before moving your money. • Available Cash planning • Add and subtract cash tracking • Upcoming payment visibility • Forecast account outcomes • What-If payment scenarios • Payment impact insights TRACK YOUR PROGRESS Stay organized and monitor your progress over time. • Track balances and payment history • Monitor due dates and statement close dates • View payoff milestones • Follow utilization improvement goals • Keep all debt accounts in one place IMPORT CREDIT CARD STATEMENTS Quickly import supported U.S. credit card statements to reduce manual entry. • Statement balance detection • Minimum payment detection • Due date detection • Statement closing date detection • Apple Card installment support • Faster account setup BUILT FOR PRIVACY BalancePilot does not connect to your bank accounts. Your financial information is entered manually and stored on your device. No bank linking or credential sharing is required. BALANCEPILOT PRO Unlock advanced planning tools and premium customization. BalancePilot Pro includes: • Loan Impact Preview • Compare Loan Offers • Statement PDF Analyzer • Premium Interface • Advanced Account Categories • Export Reports Core debt payoff planning features remain free. IMPORTANT BalancePilot provides educational planning tools and payoff estimates only. It does not provide financial, legal, tax, or investment advice. Always verify balances, APRs, due dates, minimum payments, and payment requirements directly with your lender.

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Welcome to BalancePilot 1.5.0 — our biggest update yet! NEW • Plan Before You Borrow with Loan Impact Preview • Compare up to three loan offers side-by-side • Save and activate Planned Loans • Scan loan paperwork to automatically fill loan details • Purchase Impact forecasting to estimate how new purchases affect your payoff plan IMPROVED • Planned Payments & AutoPay tracking • Credit Score Focus with improved explanations and utilization planning • Accounts tab enhancements and premium UI polish • Calendar and Payoff Plan improvements • Statement import and OCR accuracy improvements • Performance, reliability, and bug fixes throughout the app Thanks for using BalancePilot!

Version 1.5.0

The developer, Julian Figueroa, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    • Julian Figueroa
    Size
    • 8.1 MB
    Category
    • Finance
    Compatibility
    Requires iOS 17.6 or later.
    • iPhone
      Requires iOS 17.6 or later.
    • iPad
      Requires iPadOS 17.6 or later.
    • Mac
      Requires macOS 14.6 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.3 or later.
    Languages
    • English
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    • © 2026 Julian Figueroa
  • Developer Website
  • Privacy Policy

    • More by Julian Figueroa

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