Debt Payoff Planner: Tracker records debts and payments, compares payoff strategies, and tracks progress. This is a planning tool, not a lender or debt settlement service. It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. Users can log payments, review history, set reminders, and track money they owe as well as money owed to them. The app works offline, and debts are entered manually; it does not connect to a bank or request bank login details. Records remain on the user's iPhone and private iCloud rather than the developer's servers, though purchases, analytics, and diagnostics use service providers. The free plan is 0.00 USD per free and covers up to three debts. Premium monthly costs 4.99 USD per month; Premium yearly costs 29.99 USD per year and includes a 7-day free trial. Paid plans add unlimited debts, exact payoff-order comparisons, advanced statistics, and PDF reports. The app requires iOS 26 or later and has no Android version. Its website also offers browser-based payoff calculators without an account.
Who it is for
It suits people who want to enter debts manually, compare snowball and avalanche plans, and track payments. The iPhone app requires iOS 26 or later; the website's calculators run in a browser without an account.
What is good
- Works offline
- Tracks debts and money owed to the user
- Debt records stay on iPhone and private iCloud
- Free plan covers up to three debts
- Website calculators require no account
What to know first
- Requires iOS 26 or later
- No Android version
- Only supports snowball and avalanche strategies
- Premium monthly costs 4.99 USD per month
Verdict
Debt Payoff Planner: Tracker offers manual debt tracking, two payoff strategies, and progress tools, with free browser calculators as an extra option. Its iPhone-only app and two-strategy limit are important constraints to weigh.
Debt Payoff Planner: Tracker plans and pricing
All plansCompared on debt management software
- Free plan
- Yes
- Paid from
- $4.99/mo
- Payoff strategies
- both
- Balance tracking
- Yes
- Mobile apps
- Yes
