Supported Features
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VoiceOver
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Voice Control
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Dark Interface
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Differentiate Without Color Alone
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Sufficient Contrast
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Reduced Motion
PayDown: BNPL Tracker
BNPL & debt payoff tracker
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Every payment. One schedule. A date you'll be done.
PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free.
PASTE OR SPEAK
Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever.
ONE SCHEDULE
Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it.
YOUR DEBT-FREE DATE
A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month.
PAY IT OFF FASTER
Avalanche vs. snowball, compared in actual dollars of interest saved.
SAFE TO SPEND
See what's actually yours between now and payday, after everything due clears.
CAN I AFFORD IT?
Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date.
HOME SCREEN WIDGET
Your next payment and debt-free date, on your home screen.
PRIVATE BY DESIGN
Your data lives on your phone. No bank credentials, no required account, no ads, no selling data.
Not just pay-later plans: car loans, student loans, credit cards, rent, and any other bill go on the same schedule, with one date that tells you when you are done.
Ratings & Reviews
• New: import a screenshot. Snap or pick a screenshot of a Klarna, Affirm, Afterpay, or statement screen and PayDown fills in the plan — you confirm before anything is saved.
• Or paste one straight in: copy a screenshot, then tap Paste on the import screen.
• Works with any debt: pay-later plans, credit cards, car and student loans, and bills all on one schedule.
The developer, Andrew Carr, 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:
- User Content
The developer indicated that this app supports the following accessibility features. Learn More
For more information, visit the developer’s accessibility website .
Information
- Seller
- Andrew Carr
- Size
- 48.6 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 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+
- Copyright
- © 2026 acarr.org