Payoff Planner - Get Debt Free
Paycheck Budget & Debt Planner
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Know exactly what to pay extra on each paycheck. A real plan built around your income, bills, and due dates — no bank linking, no subscription.
Payoff Planner builds a personalized debt payoff plan around your real pay schedule — not a generic monthly budget.
Every pay period, the app looks at your income, bills, minimum payments, and living expenses, then tells you exactly how much extra you can safely put toward debt and which debt to pay first.
See exactly when you'll be debt free. Enter your debts, pick snowball or avalanche, and watch your plan build itself. No bank linking. No subscription. Just a clear plan to get out of debt faster.
WHAT MAKES IT DIFFERENT
Most debt apps ask you to pick a strategy and do the math yourself. This one does the math for you, every paycheck.
- Syncs recommendations to your actual pay schedule
- Protects a living reserve and checking cushion before suggesting extra payments
- Supports five strategies: Score Sprint, Avalanche, Snowball, Hybrid, and Custom
- Shows a full payoff roadmap with estimated debt-free date
- Score Boost mode targets credit utilization breakpoints for faster score improvement
HOW IT WORKS
1. Add your income, bills, and debts
2. Set your living reserve — how much you need for day-to-day spending
3. Each pay period, open the app and follow your plan
The app handles the rest — calculating what's available, prioritizing debts, and adjusting recommendations as you log payments.
BUILT FOR REAL LIFE
Had an unexpected expense? Adjust your plan for this period without affecting future ones. Variable bills? Update estimates per cycle so your extra-payment number stays accurate.
PRO (ONE-TIME PURCHASE)
Unlock Pro for a single payment — no subscription, no recurring charges. Pro removes ads, unlocks full Score Boost, extended Roadmap views, progress history, and backup/export tools. Yours forever.
Your data stays on your device. No account required. No bank linking.
Ratings & Reviews
— Celebration moments: A trophy animation with confetti now plays when you pay off a debt. You earned it.
— Bug fix: "Adjust This Period" adjustments now properly reset when your pay window changes.
— Performance: Faster plan calculations with cached date formatting.
The developer, Chad Pickard, 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
- Chad Pickard
- Size
- 9.3 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later. - Mac
Requires macOS 15.6 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.6 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- Payoff Planner Pro $4.99
- DebtPayoff Pro Yearly $24.99
- DebtPayoffSprint Pro $4.99
- Copyright
- © Chad Pickard
