Debt Payoff Planner: Tracker

Enter what you owe, get a payoff plan, see your debt-free date, and track progress payment by payment. Debt Payoff Planner turns your balances into a clear plan to become debt-free. It works both ways: track loans, credit cards, and mortgages you owe, plus money friends or family owe you. Add debts manually, log payments, compare payoff strategies, and see how your plan changes over time.

WHAT YOU CAN DO

- Add debts with amount, interest rate, monthly payment, and due date

- Track outgoing debts and incoming debts owed to you

- Categorize debts (auto loan, credit card, student loan, mortgage, or custom)

- Log payments and update progress automatically

- View principal vs interest breakdown for each payment

- Get reminders before payment due dates

- See which debts are overdue

PAYOFF STRATEGIES

- Snowball: smallest balance first for quick wins

- Avalanche: highest interest first to save money

- Cash Flow: free up monthly cash fastest

- Hybrid: one quick win, then highest interest

Compare strategies to see when you'll be debt-free and how much interest you may pay.

STATISTICS

- Total debt overview for incoming and outgoing debts

- Debt-free date countdown

- Payment breakdown charts

- Monthly payment trends

- Average monthly payment tracking

ACHIEVEMENTS

Stay motivated as you pay down debt:

- Progress badges at 25%, 50%, 75%, and 100%

- Streak tracking for on-time payments

- Celebration screens when you hit goals

PREMIUM FEATURES

- Unlimited debts (free version: 3 debts)

- All 4 payoff strategies (free: Snowball only)

- Advanced statistics and charts

- Debt-free date forecast

- Payment streak tracking

- Global achievement badges

- PDF report export

OTHER FEATURES

- Loan calculator to estimate new loans

- Payment reminders and overdue alerts

- Works offline

- No account required

- Data stays on your device

Debt Payoff Planner does not connect to your bank or access financial accounts. You enter debts manually and track payments yourself. Simple, private, and focused on helping you become debt-free.

Subscription Plans:

Monthly Plan: Get a full month of Premium for $4.99/month.

Yearly Plan: Try it FREE for 3 days, then continue for $29.99/year

Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours before the end of the current period. You can manage and cancel subscriptions in your App Store account settings after purchase.

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