Payooo: Debt Payoff Planner
Snowball & Avalanche methods.
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Take control of your financial future with Payooo, the ultimate Debt Payoff Planner designed to help you eliminate debt faster. Whether you are tackling credit card debt, student loans, or personal loans, Payooo provides a clear, math-based strategy to get you debt-free.
Stop feeling overwhelmed by bills. Use our Debt Tracker to visualize your journey, save thousands in interest, and shave months (or years) off your repayment timeline.
Why Choose Payooo for Debt Management?
Proven Repayment Strategies: Choose the Debt Snowball (quick wins), Debt Avalanche (interest savings), Tsunami, or a Custom plan.
Interactive Debt Calculator: See exactly how extra payments impact your payoff date and total interest saved in real-time.
Personalized Monthly Plan: Get a month-by-month payment schedule tailored to your budget and specific due dates.
Full Data Privacy: Your data stays on your device. We offer full offline support and export options (CSV/JSON).
Key Features at a Glance:
Comprehensive Debt Tracking: Manage principal, APR (interest rates), and minimum payments in one place.
Extra Payment Simulator: One-tap recording to see your "Debt-Free Date" move closer.
Strategy Comparison: Switch between methods to see which saves you the most money.
Multi-Currency Support: Manage debts in any currency with local formatting.
Milestone Visualizations: Celebrate your progress with intuitive charts and momentum trackers.
Privacy & Security: Payooo is built with privacy in mind. We do not require you to link your bank accounts. Your sensitive financial data is never stored on our servers, giving you 100% control over your information.
Disclaimer: Payooo is a debt planning and tracking tool intended for educational and organizational purposes only. It does not provide financial, legal, or tax advice. Payooo is not a lender or credit counseling service. All projections are mathematical estimates based on user input. Please consult with a certified financial professional for specific financial advice.
This App uses Apple standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
What-If Planning is here.
Test different payoff scenarios, add extra payments or windfalls, and instantly see how your debt-free date, total interest, and payoff plan change.
This update also adds a full amortization view, expanded localization, and bug fixes and performance improvements.
The developer, Gaia Super Lab, 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Location
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- User Content
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- HT SAAS, LLC
- Size
- 58 MB
- Category
- Productivity
- Compatibility
Requires iOS 15.6 or later.
- iPhone
Requires iOS 15.6 or later. - iPod touch
Requires iOS 15.6 or later. - Mac
Requires macOS 12.5 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 8 more
- English, French, German, Italian, Japanese, Korean, Portuguese, Simplified Chinese, Spanish
- Age Rating
18+
- 18+
- In-App Purchases
Yes
- Payooo Monthly Premium $2.99
- Payooo Yearly Premium $29.99
- Copyright
- © Gaia Super Lab