Debt Payoff Planner & Tracker

Shown for US

• Free to download
• In-app purchases

Last verified 31 Jul 2026

Shown for US

4.7 7219 ratings · App Store

1. 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

2. 5/5It’s given me hope!!!

   This app has been just what I needed! I love the options to either enter the payment details manually or use the Payoff Plan Estimate for your monthly entries. It will not automatically credit your payments monthly which is great because it forces you to look at your payment amount each month so that you can see your accomplishments. Also if you have budgeted extra money to pay each month the app will allow you to add it. If you get a surprise gift of money you can take that amount to pay down your debt as a Snowflake option. I’ve tried another app for debt payoff but this app is the best by far. I’m amazed at the choices I have and not having to pay for the pro version. I did create an account but the best part is that you don’t have to provide account numbers, just name the account whatever you like add details and voila your on your way to being debt free! I’m definitely addicted to this app. The COVID-19 pandemic has made me put a lot of things into perspective for the better and forced me to save when I normally wouldn’t. I’m looking forward to having this debt paid off for good in less than three years. 🙏🏾🙌🏾

   More Receipt Options · 31 Jul 2026

3. 3/5Meh

   My biggest complaint is that there is not a easy way to add an additional payment. From my understanding the only way to do this is to create a one time funding and then pray it applies to the bill you actually applied the payment to. Or you can go in and change the original balance, which is the easiest way but doesn’t give the user the an accurate depiction of how they paid down their debt. Please just add a simple option that says “make an additional payment” to one of the debts. This could be a drop down or a button on each debt that says pay more. If I just paid an extra $500 to my debt, there should be a quick easy way to record that. I shouldn’t have to plan it in the app, then navigate to track to confirm that I did add funding, then wait until the next scheduled payments for funding to distribute. I’ve seen other users leave this feedback and the responses from the company never acknowledges that the current process to record extra payments is not simple or straightforward. I do not have the free version, I paid. Now I’m feeling like I didn’t necessarily upgrade from the other debt management app I was using. While I love the planning part of this app. I left behind the ease of recording an extra payment.

   MySuri19 · 31 Jul 2026

4. 5/5One year in and it’s motivating

   Paying off debt is not rocket science. But it takes more discipline than many of us have. People like me need a little more of a push with something interactive. This app has been helpful because of the visual motivation I get from watching the months to being debt free come off the dashboard. I chose the snowball method and was instantly gratified by paying off three debts in the first three months. It is a pretty intuitive app, and I have learned to login regularly, sometimes just to play with numbers to see what I can do to make it go even faster. When I first downloaded the app 15 months ago it said I had 3 years, 9 months to be debt free. At the time I remember being ecstatic because in my mind I thought it would take 10 years or more and cost tens of thousands in interest. Today I have 2 years, 4 months to go. That means I shaved another three months off the original schedule. At this rate I might be debt-free in less than two years and not only will I have the freedom that comes with that, but I will have saved $20,000+ in interest alone.

   Kernman · 31 Jul 2026

5. 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

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