Every debt, one clear picture. Intuitively designed. Know your debt-free date, see what goes to interest, and watch your balance go down. Your data stays on device.
PaidOff gives you one clear picture of everything you owe — and shows you, month by month, exactly how it ends.
Add your credit cards and loans, and PaidOff builds your complete amortization schedule: every payment, how much goes to interest versus principal, and the exact month you hit $0. No sign-up needed, privacy focused, tracking debt is free.
KEY FEATURES
• Your debt-free date — see the month you're done, how many months are left, and how much of what's left is just interest.
• Total debt over time — a chart of where your debt has been and where it's projected to go, updated with every payment you track.
• Month-by-month amortization schedule — starting balance, payment, interest, principal, and ending balance for every month, for every debt. It opens right on today.
• Track payments and balances — log what you actually paid and see the live breakdown: how much covered interest, how much hit principal, and your new balance.
• Edit anything — change payments or balances, one month or many at once, and the entire schedule recalculates instantly.
• Real APRs — model promotional rates, deferred interest, and multiple rates on a single card.
• The honest warning — if your monthly payment will never pay off your balance, PaidOff tells you straight and shows the payment that will.
• Private by design — your financial data lives on your device. No account. No bank passwords.
Debt is stressful enough. PaidOff doesn't judge and doesn't need your login — it just here to help you pay your debt off.
App is as advertised. Pretty good for a free app. I chose this app specifically because it didn’t require connection to a bank or nor did it need any personal information to function. There’s room for improvement but it’s not necessary. -After finalizing the data inputted for the debt, the user is unable to edit/alter the name again. Found out very quickly after the second submission when I noticed I misspelled something. -There’s not an option for customizing which debt you want to pay down first. Snowball, Avalanche and Mountain methods don’t work for everyone.
Developer Response
Thank you for the kind words! Amazing feedback as well. - I updated the account screen so you can change the name after creation :)- I added a new strategy called "Priority", this is more personal and you should be able to sort your accounts to which ones you want to pay firstHope this helps!
Great find
uiiiiur
I found this while looking for a new financial app, I like this one because it’s geared more towards tracking debt which is what I was looking for actually. I love the graphs and information it shows me and it’s clear and easy to understand, there’s different strategies like snowball which I ended up using and it showed me how much interest I will save if I follow it. Looking forward to more updates from this developer.
Developer Response
Thank you! I'm glad this app is helping you out!
PaidOff 3 is a complete rebuild — new design, new financial engine, and a much clearer picture of your debt.
• All-new home screen: your total debt over time, this month's plan vs. what you've paid, and every debt's progress at a glance.
• Know your debt-free date: tap any chart to see your payoff month, how many months are left, and how much of what's left is interest.
• Track payments and balances: log payments with a live breakdown of interest vs. principal as you type.
• Rebuilt amortization schedule: interest, principal, and running totals for every month — it opens on today's row and marks the month you hit $0.
• Edit the past: fix payments or balances across multiple months at once; everything recalculates instantly.
• Real APRs: promotional rates, deferred interest, and multiple rates per account.
• The honest warning: if your payment will never pay off the balance, we say so — and show you the payment that fixes it.
Your data stays on your device.
Version 3.0.3
The developer, Andrew Aquino, 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 Linked to You
The following data may be collected but it is not linked to your identity:
Contact Info
Usage Data
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
Andrew Aquino
Size
29.9 MB
Category
Finance
Compatibility
Requires iOS 26.0 or later.
iPhone Requires iOS 26.0 or later.
iPad Requires iPadOS 26.0 or later.
Mac Requires macOS 26.0 or later and a Mac with Apple M1 chip or later.
