# BalancePilot — Debt Payoff Planner > Debt Payoff Planner (iPhone/iPad app by Julian Figueroa.) - Source: https://appshunter.io/ios/app/balancepilot/id6763011325 (this page in markdown: same URL + `.md`) - Developer: [Julian Figueroa](https://appshunter.io/developer/1892612260) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.6 · 9 MB - Languages: American English - Released: 2026-05-27 - Data updated: 2026-08-08 - User reviews in markdown: https://appshunter.io/ios/app/balancepilot/id6763011325/reviews.md ## What is BalancePilot? BalancePilot is a manual debt payoff planner that helps you decide what to pay next, organize upcoming payments, and build a realistic plan around the money you have available. See scheduled payments, protected cash, upcoming minimums, funding shortfalls, and extra-payoff opportunities in one clear Payday Plan. No bank connection is required. BalancePilot does not move money or make payments. You stay in control by entering and updating the information you want the app to use. BUILD YOUR DEBT PAYOFF PLAN Track credit cards, auto loans, student loans, medical bills, personal loans, and other debts in one place. • Track balances, APRs, minimum payments, due dates, and statement dates • Monitor credit utilization • Record completed payments • Plan one-time and recurring payments • Track deferred-interest promotions • View account progress and insights PLAN AROUND YOUR PAYDAY Build a plan based on available cash and upcoming obligations. • Protect your safety buffer and other cash commitments • See scheduled payments directly in your Payday Plan • Identify minimums due before your next payday • See how much of each cash protection is funded • View any remaining cash-protection shortfall • See what is available for extra payoff • Keep Available, Protected, Free to Plan, and Shortfall totals consistent across the app Scheduled payments can still count toward minimum coverage when cash reservation is off. KNOW WHAT NEEDS ATTENTION BalancePilot reviews the information you enter to help surface obligations that may need attention first. • Due and past-due payment alerts • Payday-aware payment planning • Planned Payment and AutoPay tracking • Minimum-payment coverage • Credit utilization guidance • Credit Score Focus planning • Upcoming payment timeline and reminders COMPARE PAYOFF STRATEGIES Explore payoff approaches and see how each may affect your projected debt-free date and estimated interest. • Debt Avalanche • Debt Snowball • Smart Hybrid • Accelerated Payoff • Credit Score Focus • Custom payoff ordering • Projected payoff timeline PREVIEW PURCHASES AND NEW LOANS Explore how a new purchase or loan could affect your current payoff plan before committing. • Preview the impact of a new purchase • Estimate a monthly loan payment • Compare multiple loan offers • Review changes to your payoff timeline • Save planned loans before adding them as active debt • Scan eligible loan documents to help fill in details IMPORT AND ORGANIZE STATEMENTS For supported U.S. statements, BalancePilot can help extract account information from eligible PDF statements. Imported details may include: • Current balance • Minimum payment • Due date • Statement close date • Credit limit • Promotional balances and expiration details Always verify imported information against the original statement before saving. STAY ORGANIZED • Payment calendar and upcoming timeline • Needs Attention alerts • Payoff progress charts • Payment history • Deferred-interest promotion tracking • Exportable payoff summaries BALANCEPILOT PRO Upgrade to BalancePilot Pro to unlock: • Statement PDF Analyzer • Loan Impact Preview • Compare Loan Offers • Planned Loans • Export Payoff Summary • Additional planning insights IMPORTANT INFORMATION BalancePilot is an educational planning tool. It does not connect to your bank, make payments, negotiate with lenders, or provide financial, legal, tax, credit, or investment advice. Projections and recommendations are estimates based on the information you enter and may not reflect actual lender calculations, interest charges, payment processing, promotional terms, or credit-score changes. Always confirm balances, payment amounts, due dates, interest rates, promotional terms, and payoff information with your lenders. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | BalancePilot Pro | $3.99 | per month | ## Version history (last 5 releases) ### 1.6.1 — 2026-08-07 BalancePilot 1.6.1 makes your Payday Plan clearer and more reliable. • Planned and scheduled payments now appear directly in your Payday Plan • See how much cash is funded, protected, or still needed before payday • Improved minimum-payment coverage and extra-payoff recommendations • More consistent Available, Protected, Free to Plan, and Shortfall totals • Improved notification reliability, account safety, and overall stability ### 1.6.0 — 2026-07-21 BalancePilot 1.6.0 improves statement importing, payment tracking, and Account Detail reliability. • Amazon and Synchrony statement imports now capture more account and promotional details, including due dates, statement close dates, credit limits, and promotional balances. • Scheduled and planned payments now ask you to confirm before a due or past-due payment updates your balance and payment history. • Reimporting the same statement no longer creates duplicate promotional plans. • Account Detail now scrolls more reliably through long payment histories, keeps content visible above the tab bar, and makes Edit and Delete actions easier to access. • General reliability and accessibility improvements. ### 1.5.2 — 2026-07-09 BalancePilot 1.5.2 makes payday planning clearer and more reliable. • Payday Plan now does a better job protecting minimum payments due before your next paycheck before applying extra payoff cash. • Credit Score Focus now explains when a card is the long-term score target versus when another account needs this paycheck's cash first. • Extra Cash Attack and Credit Focus Timeline now show a clearer current-paycheck path, including when a score target is queued for later. • Due-date badges in the Payday Plan are easier to read on smaller iPhones. • Purchase Impact and payoff guidance received small reliability and presentation improvements. ### 1.5.1 — 2026-07-03 BalancePilot 1.5.1 improves Payday Plan accuracy with better minimum-payment coverage logic, clearer after-payday planning, and more consistent payoff recommendations across the app. This update includes: • More accurate minimum-payment coverage logic • Clearer “Minimums due before payday” and “After-payday minimums” guidance • Improved Payday Plan ordering so current actions appear before future planning items • Better consistency across Payoff Plan, Accounts, Calendar, Account Detail, and widgets • Improved Best Next Move wording when a recommendation pays off a balance • Fixes for cases where prior-cycle payments could appear under a new due date • Reliability improvements to BalancePilot’s testing and release workflow ### 1.5.0 — 2026-06-27 Welcome to BalancePilot 1.5.0 — our biggest update yet! NEW • Plan Before You Borrow with Loan Impact Preview • Compare up to three loan offers side-by-side • Save and activate Planned Loans • Scan loan paperwork to automatically fill loan details • Purchase Impact forecasting to estimate how new purchases affect your payoff plan IMPROVED • Planned Payments & AutoPay tracking • Credit Score Focus with improved explanations and utilization planning • Accounts tab enhancements and premium UI polish • Calendar and Payoff Plan improvements • Statement import and OCR accuracy improvements • Performance, reliability, and bug fixes throughout the app Thanks for using BalancePilot! ## Apps similar to BalancePilot | App | Rating | Price | Category | | --- | --- | --- | --- | | [Cloverbelt CU Mobile Banking](https://appshunter.io/ios/app/cloverbelt-cu-mobile-banking/id1445507843) | 4.8 (953) | Free | Finance | | [M1 Bank](https://appshunter.io/ios/app/m1-bank/id6739639175) | 4.8 (24) | Free | Finance | | [Wallet Cashback Saver Money](https://appshunter.io/ios/app/wallet-cashback-saver-money/id6738781100) | — | Free | Finance | | [Debt Payoff Tracker & Planner](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474) | 5.0 (7) | Free | Finance | | [Turo ROI Finder](https://appshunter.io/ios/app/turo-roi-finder/id6769430630) | — | Free | Finance | | [Home Federal Bank for iPhone](https://appshunter.io/ios/app/home-federal-bank-for-iphone/id1498804419) | 4.9 (311) | Free | Finance | ## More apps by Julian Figueroa - [85Blends](https://appshunter.io/ios/app/85blends/id6762037468) All apps by Julian Figueroa: https://appshunter.io/developer/1892612260 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-08.*