Debt Payoff Tracker & Planner
Snowball/Avalanche Calculator
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
See which debt to pay first and when you'll be debt-free. Track payments, compare payoff strategies, and plan extra payments.
Debt Payoff Tracker brings your credit cards, loans, payments, and due dates into one place. Record what you actually pay and see your payoff projection update as balances change.
FOUR PAYOFF STRATEGIES
• Debt Snowball — Start with the smallest balances
• Debt Avalanche — Prioritize the highest interest rates
• Credit Score Focus — Target higher-utilization cards
• Custom Order — Arrange debts your way
WHAT-IF CALCULATOR
Try different extra-payment amounts and compare estimated months saved, potential interest savings, and total payoff time.
TRACK YOUR DEBTS
Add all your debts - credit cards, loans, mortgages, and more - and group them by type.
PAYMENT HISTORY
Record payments, view principal and interest breakdowns, and add notes.
BALANCE UPDATES
Got new charges, fees, or interest? Enter the balance your bank shows. Your payment history stays intact.
PAYMENT SCHEDULE
View a month-by-month projection of payments, balances, interest, and estimated payoff timing.
BUDGET SUMMARY
Compare your monthly income with planned debt payments and see how much remains.
REMINDERS, PRIVACY & SECURITY
• Customizable payment reminders
• App Lock with Face ID, Touch ID, or Passcode
• No bank connection or app account required
OPTIONAL ICLOUD SYNC
Keep your debts, payments, and payoff plan synced across your iPhone, iPad, and Mac when iCloud Sync is enabled.
CREDIT UTILIZATION
Track overall and card-level utilization with simple status indicators.
9 CURRENCIES
USD, EUR, GBP, CHF, CNY, CAD, AUD, JPY, and SAR.
PREMIUM
The free version allows one debt. Upgrade to Premium to track unlimited debts.
Terms of Use - https://pipsapps.com/terms.html
Privacy Policy - https://pipsapps.com/privacy.html
Ratings & Reviews
• Organize your debts by type - credit cards, student loans, car loans, mortgages and more.
• Design improvements and small fixes.
The developer, Alona Nesterenko, 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 Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Alona Nesterenko
- Size
- 5.4 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Lifetime Access $19.99
- Monthly Premium. $4.99
- Weekly Premium $0.99
- Yearly Premium $9.99
- Monthly Premium $4.99
- Copyright
- © 2026 Alona Nesterenko
