PayDown: BNPL Tracker

BNPL & debt payoff tracker

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

Every payment. One schedule. A date you'll be done. PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free. PASTE OR SPEAK Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever. ONE SCHEDULE Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it. YOUR DEBT-FREE DATE A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month. PAY IT OFF FASTER Avalanche vs. snowball, compared in actual dollars of interest saved. SAFE TO SPEND See what's actually yours between now and payday, after everything due clears. CAN I AFFORD IT? Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date. HOME SCREEN WIDGET Your next payment and debt-free date, on your home screen. PRIVATE BY DESIGN Your data lives on your phone. No bank credentials, no required account, no ads, no selling data.

Ratings & Reviews

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• Credit cards: add one in a few taps — pick your bank, enter the balance and APR, and see the date it hits zero. • More accurate balances: recording a payment now splits it into interest and principal, so what you owe matches your statement. • Paying more than the minimum? The payoff plan shows exactly how many months it saves.

Version 1.0.3

The developer, Andrew Carr, 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:

    • User Content

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

The developer indicated that this app supports the following accessibility features. Learn More

  • Supported Features

    • VoiceOver

    • Voice Control

    • Dark Interface

    • Differentiate Without Color Alone

    • Sufficient Contrast

    • Reduced Motion

For more information, visit the developer’s accessibility website .

Information

Seller
  • Andrew Carr
Size
  • 48.3 MB
Category
  • Finance
Compatibility
Requires iOS 16.4 or later.
  • iPhone
    Requires iOS 16.4 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
Copyright
  • © 2026 acarr.org
  • Developer Website
  • Privacy Policy

    • More by Andrew Carr