Debt Payoff Planner & Tracker

• Free to download
• In-app purchases

Last verified 31 Jul 2026

4.7 7219 ratings · App Store

1. 3/5NEEDS WORK PLEASE FIX!!!!!

   I love it so far and even got the year subscription but now I’m having regrets bc there are some BIG FLAWS that I hope to see fixed. Ik the main goal of the app is to payoff debt but some of these extra payments they want you to make is a little unrealistic. Don’t get me wrong, it’s nice seeing an earlier payoff date than I expected but it doesn’t take reoccurring bills into perspective. We should have an option to add our monthly expenses such as RENT, ELECTRIC, INTERNET, INSURANCE, and ECT. My fiancé also splits some of the credit card bill with me so it would be nice to see a split payment option with how much he pays and how much I pay. It also just goes by whatever it wants not based off of how much you make a month which also makes the extra payments unrealistic. There should be a spot where you can either add in your work schedule or how much you expect to get paid. That way it makes your payoff dates more realistic to your financial situation. When all that gets fixed it would most definitely be worth 5 stars. I hope to see an update pretty soon.

   Firefly~420 · 31 Jul 2026

2. 5/5OBSESSED

   I have been drowning in credit card interest rates like I couldn’t get my head above water after maternity leave. I’ve set reminders, added payments to my notes to help keep track but nothing works and every time I just feel like the balances get bigger even though I keep paying and not spending on them. This app is everything I needed and more. Helps break everything down, sorts by dates due, recalculates if you pay more than the minimum and helps see my debt as a whole and helps me understand how much is actually going toward interest each month so I can pay extra if I have more $$. I feel like all this weight has been lifted off my shoulder and I can see a light at the end of the tunnel to debt free! Thank you SO much for creating this app! I also upgraded because I wanted to switch up the colors and enjoy some of the extra features. Do NOT slip on downloading this, you won’t regret it!

   AmandaD52 · 31 Jul 2026

3. 5/5Finally a light at the end of the tunnel

   As many previous reviews state, this app is one of the best out there if you are serious about paying off your debts. I fell into the credit card trap little by little, until one day I realized I was becoming overwhelmed by outrageous interest rates. I tried to figure out how to pay these debts on my own, but every time I had a few extra dollars from paying off a debt, it never seemed to go towards paying off the next. This app breaks down a realistic timeline for me, with easy to understand visuals and charts, and keeps me motivated to stay on track! It's wonderful knowing how much I need to apply to each monthly payment without the temptation of using the money "elsewhere". It is truly the light at the end of the tunnel for me! Although some reviewers state they would like an option to include recurring payments so they don't have to manually enter the amounts each month, the I find that to be part of the motivation in actually entering that amount and seeing the balance go down. Love this app!

   MaurCil0806 · 31 Jul 2026

4. 5/5Fantastic app

   I only came upon this app because I was invited to a Zoom meeting by someone who was selling a system to pay off debt and help people become financially free. I googled that company during the Zoom and noticed that they were charging several thousand dollars for the ability to do what THIS FANTASTIC app does.... So glad I found this app while googling for less expensive solutions.. it was so easy to insert our info into this DPP app....I could see light at the end of the tunnel....I love how you can select different ways of paying down debt and instantly see how it shakes out down the road....I can proudly say that we’ve chunked down our debt already and have discovered tips on how to reduce the interest each month....I will now pay our car loan and our mortgage twice per month.... this app is visually appealing as well......when I open it, the colors greet me with hope and joy...that may sound corny, but it’s true! Koodos to whoever developed it! THANK YOU...THANK YOU...THANK YOU.....I HAVE RECOMMENDED THIS APP TO SO MANY PEOPLE ALREADY!!!

   JERSEYGIRL726 · 31 Jul 2026

5. 5/5Options to Play With

   I am not a newbie to the debt snowball, I have a copy on my excel spreadsheet. While that version is useful it is extremely hard to maintain and adjust my priorities. Once you input it it has to stay in that column. That is were the Debt Payoff Planner excels. I can customize what I want as a priority to pay off and see what my outcome will be, all with a slide of my finger. Extra bonus I really like is being able to make educated decisions on what to pay off and how much interest I will end up paying. A huge difference between the excel version of snowball debt to this is the fact that we have several loans that are zero percent interest for X amount of month. Debt Payoff Planner takes that in to consideration. This is a much more convenient app that allows me to adjust as needed and easily track my progress. One small little thing that I wish was changed, my APR is already entered, I would like to just put in how much I paid and call it a day. If I decided to pay a couple dollars more than my minimum I would like to just hit enter and move on. I get it if you have a loan that you can pay more to interest but in my case most of our outstanding debt doesn’t offer that choice. Overall I am extremely over the moon with the layout and ease of use.

   Christi LY · 31 Jul 2026

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