Xsolvere: Credit card payoff
Debt Tracker & Payoff Planner
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Pay off credit cards with a plan tailored to you. See what to pay, which card to prioritize, and how much you can safely spend—all in one place.
Take control of your credit card debt with Xsolvere—a personalized credit card payoff planner, debt tracker, and payment calculator that helps you understand what to pay and where to focus next.
Xsolvere turns your balances, APRs, minimum payments, and credit limits into a clear, personalized payoff plan.
HOW MUCH SHOULD YOU PAY?
Minimum payments can keep you in debt longer.
Xsolvere calculates a recommended payment for each credit card based on your balance, APR, minimum payment, utilization, and payoff plan.
Use the Payment Simulator to explore how different payment amounts could affect:
• Your estimated payoff date
• Projected interest costs
• Credit utilization
• Your progress toward becoming debt-free
WHICH CREDIT CARD SHOULD YOU PAY FIRST?
Stop guessing where your next payment should go.
Xsolvere prioritizes your credit cards and shows you where additional payments could make the greatest impact.
Your personalized strategy can combine principles from:
• Debt Snowball
• Debt Avalanche
• Credit utilization management
• Priority-based payment planning
Instead of forcing everyone into the same payoff method, Xsolvere helps tailor the strategy to your credit cards and financial situation.
UNDERSTAND YOUR CREDIT UTILIZATION
See how much of your available credit you are currently using and identify cards with high utilization.
Xsolvere helps you monitor:
• Overall credit utilization
• Utilization for each credit card
• Your selected utilization target
• Cards that may need attention
• Progress toward reducing utilization
KNOW YOUR SAFE SPENDING ZONE
Available credit does not always mean available room within your utilization goal.
Xsolvere calculates your Safe Spending Zone—the estimated amount you can spend before reaching your selected credit utilization target.
YOUR DEBT PAYOFF DASHBOARD
View your credit card debt and payoff progress in one place:
• Total credit card debt
• Recommended payments
• Monthly minimum payments
• Priority credit cards
• Estimated debt-free date
• Credit utilization
• Safe Spending Zones
• Your next recommended action
BUILD YOUR DEBT-FREE PLAN
Compare your personalized Xsolvere plan with making only minimum payments.
See your projected:
• Payoff timeline
• Debt-free date
• Interest costs
• Potential interest savings
• Balance reduction over time
Update your balances as you make payments and track your progress toward $0.
PAYMENT REMINDERS
Keep track of upcoming credit card due dates and enable reminders to help you stay consistent with your payoff plan.
PERSONALIZED FINANCIAL INSIGHTS
Xsolvere transforms your credit card information into clear, actionable guidance.
Understand:
• How much to pay
• Which card to prioritize
• How your payment affects your payoff
• How much room remains within your utilization target
• What action to consider next
SECURE ACCOUNT SYNC
Your Xsolvere information is securely stored and synchronized, keeping your account data available across your supported devices.
XSOLVERE PREMIUM
Upgrade to unlock additional credit card payoff tools, including:
• Unlimited credit cards
• Personalized payoff plans
• Smart payment recommendations
• Personal Coach
• Utilization monitoring
• Safe Spending guidance
• Complete payoff forecasting
SUBSCRIPTION INFORMATION
• Payment is charged to your Apple ID account when your purchase is confirmed.
• Your subscription automatically renews unless canceled at least 24 hours before the end of the current subscription period.
• Your account is charged for renewal within 24 hours before the end of the current period.
• You can manage or cancel your subscription through your Apple Account Settings.
Privacy Policy:
https://www.xsolvere.com/privacy
Terms & Conditions:
https://www.xsolvere.com/terms
Build a personalized credit card payoff plan, manage your utilization, and make more informed payment decisions with Xsolvere.
Thanks for using Xsolvere! This update includes bug fixes and performance improvements to make managing your credit card payoff plan smoother and more reliable.
The developer, Andy Alfonso, 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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
- User Content
- Search History
- Browsing History
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Alphons Systems LLC
- Size
- 58.6 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 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
16+
- 16+
- Contains
Unrestricted Web Access
User-Generated Content
- In-App Purchases
Yes
- Yearly Premium $44.99
- Monthly Premium $6.99
- Copyright
- © 2026 Xsolvere by Alphons Systems LLC. All rights reserved.