PayOffly: Debt Payoff Planner
Loan & Credit Card Tracker
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Know your exact debt-free date and watch it get closer with every payment. Now even more accurate: payoff progress matches everywhere and iCloud restore is fixed.
Know your exact debt-free date and watch it get closer with every payment you log.
PayOffly is your personal roadmap to becoming debt-free. Whether you're juggling credit cards, student loans, a mortgage, or personal debts, PayOffly brings them together in one clear plan, so you always know where your money goes and what to pay next.
Pick a proven strategy, Snowball or Avalanche, and PayOffly builds the payoff plan for you. Log a payment in seconds and see your progress update right away, with a goal ring and per-debt progress that always agree. When you pay more than a debt's remaining balance, PayOffly tells you exactly how much wasn't applied, so your numbers stay accurate.
What you get:
• Complete debt overview: all your debts in one place, with detailed breakdowns and priority rankings
• Your debt-free date: see when you'll make your last payment
• Snowball and Avalanche payoff strategies with a plan built for you
• Quick payment logging with no complicated forms
• Debt-Free Goal card with a progress ring that matches each debt's progress
• Analytics: charts, cash flow insights, and timelines that show how far you've come
• iCloud backup and restore to keep your data safe
• Your currency, shown with full currency names, and amounts formatted for your region
• Language, appearance, and notification settings you can customize
• Accessibility support, including larger text sizes and VoiceOver that announces your balance as money
• Privacy-focused: your financial data stays private
Start your plan today and take the first step toward your debt-free date.
Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
This update is all about making sure your numbers are right, and stay right.
• Restoring from an iCloud backup works again, so your debts and payments come back just as you left them.
• Paying more than a debt's remaining balance no longer loses the difference. PayOffly now tells you exactly how much wasn't applied.
• Payoff progress matches everywhere you see it: the Debt-Free Goal ring and each debt's progress now agree.
• Amounts follow your region's format, so the balance on your Home screen reads the way you expect.
• Better support for larger text sizes and VoiceOver: the Debt-Free Goal card stays readable, and your balance is announced as money.
• The currency picker now shows full currency names, not just codes.
Paying down debt with PayOffly? A quick rating really helps us grow. Thank you!
The developer, Pavel Sakhanko, 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:
- Financial Info
- Contacts
- Identifiers
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Pavel Sakhanko
- Size
- 42.9 MB
- Category
- Finance
- Compatibility
Requires iOS 27.0 or later.
- iPhone
Requires iOS 27.0 or later. - iPad
Requires iPadOS 27.0 or later. - Mac
Requires macOS 27.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 27.0 or later.
- iPhone
- Languages
English and 5 more
- English, French, Polish, Portuguese, Russian, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Monthly Premium Access $2.99
- Annual Premium Access $17.99
- Yearly Premium Access $39.99
- Monthly Premium Access $4.99
- Copyright
- © 2026 Pavel Sakhanko
