# ClearDebt: Debt Payoff Planner — Snowball & Avalanche Tracker

> Visual debt payoff planner using Snowball or Avalanche methods. (iPhone/iPad app by Meraki Softworks LTD.)

- Source: https://appshunter.io/ios/app/cleardebt-debt-payoff-planner/id6751843784 (this page in markdown: same URL + `.md`)
- Developer: [Meraki Softworks LTD](https://appshunter.io/developer/1725011525)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.6 · 146 MB
- Languages: American English
- Released: 2025-09-29
- Data updated: 2026-10-15
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/cleardebt-debt-payoff-planner/id6751843784/reviews.md

## What is ClearDebt?

See your estimated debt-free date and build a payment plan you can follow. ClearDebt is a debt payoff planner and tracker for credit cards, loans and other debts. Compare Snowball and Avalanche, understand your repayment timeline and track your progress as you pay balances down.

BUILD YOUR PAYOFF PLAN
Enter your balances, interest rates, minimum payments and the amount you can put towards debt each month. ClearDebt turns those details into a repayment schedule and estimated debt-free date.

COMPARE SNOWBALL AND AVALANCHE
See how both strategies affect your payoff time and estimated interest:
• Snowball prioritises your smallest balance for earlier milestones.
• Avalanche prioritises your highest interest rate.
Compare the results on your phone and choose the approach that fits your goals.

TRACK PAYMENTS AND PROGRESS
• Keep your credit cards, loans and other debts together.
• Record payments and extra payments.
• View upcoming payments in the payment calendar.
• Set reminders for payment dates.
• Follow your progress towards becoming debt-free.

PLAN YOUR MONTHLY BUDGET
Organise income and expenses to understand your monthly spending and the amount available for debt repayment.

GO FURTHER WITH CLEARDEBT PRO
An optional Pro subscription unlocks additional features:
• Import supported credit statements, including PDFs, and review extracted details before adding debts.
• Import CSV and Excel bank transactions for your budget.
• Use cloud backup and sync.

Statement import requires a paid Pro subscription. Subscription prices and billing periods are shown before purchase. Manage or cancel subscriptions in your Apple Account settings.

Payoff dates and interest amounts are estimates based on the information you enter. Update your balances and regenerate your plan when your details change.

Feedback or questions: hello@merakisoftworks.com

Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Privacy Policy:
https://www.merakisoftworks.com/cleardebt/privacy.html

## Key features

- Debt Snowball and Avalanche methods
- Visual debt-free date projection
- Simple loan tracking
- Extra payment calculation
- Progress visualization

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Plan | $1.99 | per month |
| Yearly plan | $19.99 | per year |


## Is ClearDebt safe?

Not enough ratings yet to assess ClearDebt.

## Is ClearDebt legit?

ClearDebt: Debt Payoff Planner appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for ClearDebt is 73 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/cleardebt-debt-payoff-planner/id6751843784/reviews.md

### 5/5 — Good app

*2026-02-04*

Good app, very easy to use and clean UI. Just wish there was an option to add extra payments manually

### 5/5 — Nice app

*2025-12-05*

App looks clean, I like the UI and design. Also the fact you can create payoff plans is sick. Not bad really

## Frequently asked questions about ClearDebt

### What are the debt payoff methods supported by ClearDebt?

ClearDebt supports two popular debt payoff strategies: the Debt Snowball method, where you pay off debts from smallest to largest balance, and the Debt Avalanche method, where you prioritize debts with the highest interest rates first.

### How does ClearDebt help me track my progress?

The app provides a visual plan and allows you to see your projected debt-free date. You can enter your debts and any extra payments you plan to make, and then watch your balances shrink over time.

### Is ClearDebt free to use?

ClearDebt is free to download and use, but it does contain advertisements. There are also optional in-app purchases available for enhanced features or to remove ads.

### What are the subscription options for ClearDebt?

ClearDebt offers a Monthly Plan for $1.99 with a 7-day free trial, and a Yearly plan for $19.99. These plans likely unlock premium features or remove ads.

### What devices is ClearDebt available on?

Currently, ClearDebt is supported on iPhone devices, as indicated by the 'supportedDevices' field.

### How often is ClearDebt updated?

The latest version of ClearDebt is 1.7.2, and it was last updated on June 19, 2026. This suggests a relatively active development cycle.

### What is the age rating for ClearDebt?

ClearDebt has an age rating of 4+, making it suitable for a wide range of users interested in personal finance.

### Does ClearDebt require linking bank accounts?

The description does not mention linking bank accounts. It focuses on manually entering debt information and extra payment amounts to create a payoff plan.

## Version history (last 5 releases)

### 1.9.0 — 2026-10-05

Bug Squashing

### 1.8.3 — 2026-10-03

Bug Squashing

### 1.8.1 — 2026-09-14

Bug squashing

### 1.8.0 — 2026-08-15

1. UI/UX Improvements
2. Some product feature changes
3. Bug fixes

### 1.7.3 — 2026-06-24

Bug fixes

## Apps similar to ClearDebt

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Tracker - Balance Due](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952) | 1.0 (1) | Free | Finance |
| [Debt Payoff Planner: Tracker](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524) | — | Free | Finance |
| [Clear Balance: Debt Tracker](https://appshunter.io/ios/app/clear-balance-debt-tracker/id6761265023) | — | Free | Finance |
| [Debt Tracker by UnDebt](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488) | 5.0 (4) | Free | Finance |
| [Track Debt Free: DebtBuddy](https://appshunter.io/ios/app/track-debt-free-debtbuddy/id6751449771) | 5.0 (1) | Free | Finance |
| [Money Manager: Debt Tracker](https://appshunter.io/ios/app/money-manager-debt-tracker/id6755724921) | — | Free | Finance |

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All apps by Meraki Softworks LTD: https://appshunter.io/developer/1725011525

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*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 2026-10-15.*