Debt Payoff Planner: Tracker
Snowball & Loan Calculator
Only for iPhone
Free · In‑App Purchases
iPhone
Debt payoff app for iPhone: enter your debts, compare snowball vs avalanche, see your debt-free date, log payments. Private, no account, no bank link.
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
Mirror bug fix
The developer, Linas Nutautas, 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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Linas Nutautas
- Size
- 33.2 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later.
- iPhone
- Languages
English and 14 more
- English, Dutch, French, German, Italian, Japanese, Korean, Norwegian Bokmål, Polish, Portuguese, Spanish, Swedish, Thai, Turkish, Vietnamese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Debt Tracker Premium $29.99
- Debt Tracker Premium $4.99
- Copyright
- © Linas Nutautas