PayAway: Debt Payoff Planner
Debt Tracker & Credit Booster
Free · In‑App Purchases
Track and pay off debt fast with PayAway. Choose smart payment plans like Snowball or Avalanche. Simple, powerful debt tracker for financial freedom.
Overwhelmed by debt? Meet PayAway – your all-in-one debt payoff planner and tracker that helps you pay off debt faster and boost your credit score at the same time. Using our proprietary Credit Utilization Method, PayAway optimizes your payoff plan to improve credit health while crushing debt, outperforming traditional Snowball and Avalanche strategies in saving money and time.
Key Features:
All-in-One Debt Tracker: Organize all your debts (credit cards, student loans, auto loans, etc.) in one place. See balances, interest rates (APR), and due dates at a glance.
Personalized Payoff Plans: Choose a strategy that fits you – Debt Snowball (smallest balance first), Debt Avalanche (highest interest first), or let PayAway suggest a custom plan tailored to your goals.
Smart Debt Snowball Calculator: Instantly calculate your debt-free date and interest savings under Snowball, Avalanche, or any extra payment scenario. Adjust payments to see “what-if” scenarios and find the fastest payoff path.
Exclusive Credit Utilization Method: Boost your credit score as you pay down debt. PayAway prioritizes payments to lower your credit utilization ratio, helping raise your credit score faster than Snowball or Avalanche alone.
Budget & Extra Payments: Set a monthly debt-payoff budget so you know exactly how much extra cash can go toward debt each month. PayAway shows you how even small extra payments can save money on interest and shorten your payoff timeline.
Progress Tracking & Alerts: Stay motivated with interactive charts and milestones. Watch your debt shrink and get notified when you hit payoff milestones or when a debt is paid off.
Easy & Intuitive: Designed for Gen Z & Millennials, PayAway features a clean, uncluttered interface. No confusing finance jargon – just a simple, powerful debt payoff tool that puts you in control.
Secure & Private: All data is stored securely. No bank connections required – you’re always in control of your information.
Why Choose PayAway?
Unlike one-size-fits-all budgeting apps, PayAway is laser-focused on helping you become debt-free and build credit. It’s your companion on the journey to financial freedom. Our app doesn’t overwhelm you with features you don’t need. Instead, PayAway gives you a clear plan, tailored advice, and the motivation to stick with it. Save money, eliminate debt, and watch your credit score rise – all in one app.
Whether you’re juggling multiple credit cards or paying off student loans, PayAway has you covered. It’s perfect for:
Credit card debt – tackle high-interest balances and break the cycle.
Student loans – manage loans and pay them off sooner.
Auto or personal loans – keep track of loans and plan early payoffs.
Debt snowball fans – if you’re looking for a debt snowball calculator, PayAway provides one with an extra credit-boosting edge.
Anyone who needs a debt tracker and payoff planner – and wants to improve their credit score while doing it.
Start Your Debt-Free, Credit-Boosted Journey Today
Don’t let debt hold you back. Download PayAway now and take control of your finances. See how quickly you can pay off debt and achieve the freedom of a debt-free life with better credit. The sooner you start, the sooner you’ll celebrate being debt-free and building a brighter financial future.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Simple bug fixes.
The developer, Jack Maloney, 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:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Jack Maloney
- Size
- 21.7 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.
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- PayAway+ $2.49
- PayAway+ Lifetime Subscription $49.99
- PayAway+ - Yearly $24.99
- Remove Ads $1.99
- Copyright
- © 2025 Jack Maloney