Supported Features
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Dark Interface
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Reduced Motion
Payoff — Debt Tracker
Crush debt. Keep more money.
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
New in 2.0: this month's plan to tick off as you pay, a progress screen with your debt-free countdown, every strategy compared, reminders and a widget.
Pay off what you owe, one month at a time.
Payoff turns your debts into a plan you can actually follow: what to pay, on which debt, this month. Tick each one off as you pay it, and watch the debt-free date come closer.
THIS MONTH'S PLAN
Every month, Payoff works out exactly what to put on each debt. Log a payment in two taps — the minimum, the planned amount, or the lot — and the plan updates itself.
SEE WHAT YOU'RE SAVING
Your plan against paying minimums only, side by side: the years and the interest you avoid. Drag the extra-payment slider to see what another $50 a month would do.
EVERY STRATEGY, COMPARED
Avalanche, Snowball, Hybrid, Cash-flow first and Promo deadline — for 0% and intro rates. Best plan for me runs all of them on your actual debts and tells you which wins, and why.
PROGRESS WORTH WATCHING
How much you've paid off, your debt-free countdown, whether you're ahead of plan, and every payment you've logged. Each debt gets its own progress bar.
NEVER MISS A DUE DATE
Reminders a few days before each debt is due, at a time you pick.
ON YOUR HOME SCREEN
A widget with your debt-free countdown, so your progress is there without opening the app.
WORTH SHARING
Turn your debt-free date into a card for Stories, or celebrate a debt you've cleared. Hide the amounts if you'd rather not show the numbers.
YOURS, AND PRIVATE
No account, no ads, no analytics. Your debts never leave your phone. Lock the app with Face ID, pick from 16 currencies, and switch to dark mode.
FREE, OR PREMIUM
Free for three debts, with Avalanche and Snowball, this month's plan, payment logging, progress, the minimums comparison, share cards, the widget, currencies, dark mode and Face ID. Payoff Premium is a one-time purchase for unlimited debts, Best plan for me, the other three strategies, custom order, the extra-payment simulator, due-date reminders and CSV export. No subscription.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Payoff 2.0 turns your plan into a monthly habit.
• This month's plan: exactly what to pay on each debt, ticked off as you log payments
• Progress: % paid off, your debt-free countdown, and whether you're ahead of plan
• Minimums vs your plan: see the interest and years your plan saves
• New plans: Hybrid, Cash-flow first and Promo deadline (for 0% and intro rates)
• Best plan for me: every plan run on your debts, with a winner
• Due-date reminders
• Home screen widget with your debt-free countdown
• Share cards for Stories: your debt-free date, and "Paid off!" for every cleared debt
• 16 currencies, dark mode and Face ID lock
• Custom order now has real drag-to-reorder, and CSV export works on your phone
The developer, Sandeep Mysore, 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.
The developer indicated that this app supports the following accessibility features. Learn More
Information
- Seller
- Sandeep Mysore
- Size
- 4.9 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 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.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Payoff Premium $2.99
- Copyright
- © 2026 Sandeep Mysore