# Debt Fix — Debt Payoff Planner & Tracker > Debt management and payoff planning tool with financial breakdown and progress tracking. (iPhone/iPad app by Christopher Donoso.) - Source: https://appshunter.io/ios/app/debt-fix/id1638594024 (this page in markdown: same URL + `.md`) - Developer: [Christopher Donoso](https://appshunter.io/developer/1885026399) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.00/5 from 11 App Store ratings · 8 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 10 MB - Languages: American English - Released: 2022-09-14 - Data updated: 2026-08-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/debt-fix/id1638594024/reviews.md ## What is Debt Fix? Debt Fix is the debt payoff planner that shows you exactly when you'll be debt-free. Pay off credit cards, student loans, auto loans, medical bills, and personal loans faster with the snowball method, the avalanche method, or either one tuned with your own extra payments. No account. No bank connection. Start in seconds. CHOOSE YOUR STRATEGY • Avalanche: pay the least interest by attacking your highest rates first • Snowball: build momentum by knocking out your smallest balances first • Side-by-side comparison shows the interest saved and the time difference at a glance STAY ON TRACK EVERY MONTH • A monthly checklist tells you exactly what to pay and where • Total balance, payoff date, and progress on one dashboard • Categories for credit card, student loan, auto, medical, personal, and mortgage debt • 0% APR promotional periods, so interest-free balances calculate correctly • Add a lump sum any month, or a recurring extra payment every month SEE YOUR PROGRESS • Charts that update the moment you log a payment • A full amortization schedule for every debt • Savings report shows interest saved and months cut from your payoff date • Export your payoff schedule to PDF or CSV ON YOUR HOME SCREEN • Home Screen and Lock Screen widgets keep your payoff date one glance away • Reminders so you never miss a due date • Built for iPhone and iPad, with full Dark Mode support YOUR DEBT DATA STAYS YOURS • Works fully offline. Your debt details live on your device. • iCloud sync keeps your iPhone and iPad in step through your own private iCloud account • No account or signup required to use the app • Your debts and balances are never sold or shared DEBT FIX PREMIUM Supported by ads. Premium unlocks unlimited debts, full PDF and CSV exports, every theme color, and an ad-free experience. One purchase, lifetime access. No subscriptions. Not ready to buy? You can still unlock a single export by watching a short video. Your money should work for you, not your lenders. Download Debt Fix and start your payoff plan today. ## Key features - Debt tracking - Financial breakdown - Payoff plan development - Amortized payment schedule - Progress analysis report ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Debt Fix Premium | $4.99 | one-time | ## Recent user reviews (8 of 8) All indexed reviews: https://appshunter.io/ios/app/debt-fix/id1638594024/reviews.md ### 5/5 — Yippeee *2026-05-08* Downloaded this app a long time ago and just had it sitting on my phone since I only had one debt left to pay off. I saw there was a major update which fixed a bunch of the crashing issues and made the app look a lot nicer. I noticed the developer also added a feature that I requested which was pretty neat :3 ### 5/5 — Game Changer *2026-05-08* Loving this app!!!Seeing my payoff dates and celebrating each debt I knock out keeps me motivated. Simple and effective. ### 5/5 — hi *2026-05-08* “I’ve been using this financial app for a while now and it’s honestly made managing my money so much easier. The layout is clean, everything is easy to understand, and I like how quickly I can track spending and stay on top of my finances. It’s reliable, smooth, and way less stressful than using other apps I’ve tried. Definitely recommend it to anyone trying to stay organized with their money.” ### 5/5 — Best app *2026-05-07* Has given me so much peace of mind ### 2/5 — Waste of 1.05 (with tax) *2023-09-21* Maybe I’m just not getting it, but I don’t see how this helps me avalanche or snowball my debts. I paid the 99 cents to add more than one debt, but it shows me a total of payments (adding in my ‘extra’) - but no breakdown of what account gets what. I guess I’m to assume the minimum for all but the first one on the list? Since it’s a new app, I’m going to leave it on my devices and will check back in periodically. Also - not crazy about the data access/privacy. Is this developer looking at my debt details? That’s a little creepy. **Developer response:** Thank you for your feedback. The breakdown of the payment for each debt/account should appear on the Dashboard screen after you have added at least one debt in the Debt screen. I will be working on an update to make this process clearer for first-time users. If you have confirmed that you have already added a debt and still see nothing on the Dashboard screen, please contact me at christopherdonoso@icloud.com. I want to clarify that I am not selling, analyzing, or using any of your debt details for any purpose other than calculating your payment plans and making this payment plan accessible on any device when you are logged in. I only collect the bare minimum of data access needed for the functionality of this app. Additionally, the basic version of the app allows you to add a maximum of three debts, while the premium version allows you to add an unlimited number of debts. ### 1/5 — Garbage app *2023-08-27* When finishing my debts list, report said I’d pay a total of $40 million rather than $40,000. Couldn’t delete or edit debts.Then it froze and I couldn’t get into anything!!! Not even worth .99 I paid. Waste of my time. Bye bye! **Developer response:** Thank you for pointing this bug out. I looked into it and one of the debts interest was set to 3024%, which should not be possible and would explain the $40 million. It would also explain the app freezing. While I work on a fix, I set that particular debt to 0% to prevent the freezing. All you need to do is uninstall and reinstall the app if you wish to use it again. ### 5/5 — Good app to dig yourself out the whole *2023-04-28* App is straightforward and has a clean layout. Currently using it to pay off some debt ### 5/5 — Feature request *2022-09-24, version 1.0.4* I love the app!! It will be nice if it had the option of one time payment. ## Frequently asked questions about Debt Fix ### What is Debt Fix? Debt Fix is a personal finance app designed to help users track their debts and create a strategic plan for paying them off. It provides a financial breakdown, an amortized schedule, and a report page to analyze your payment plan. ### How does Debt Fix help me pay off debt faster? The app helps you prioritize your debts and suggests a plan for paying them off faster. It displays an amortized schedule showing all your payments and tracks your progress towards your payoff goals. ### What devices can I use Debt Fix on? Debt Fix is available on iPhone and iPad devices, making it accessible for Apple users looking to manage their finances. ### Is Debt Fix free to use? Yes, Debt Fix is free to download and use. However, it does contain advertisements and offers in-app purchases for additional features or content. ### Does Debt Fix have ads? Yes, Debt Fix contains advertisements. These ads are displayed within the app to support its free availability. ### How often is Debt Fix updated? The latest version of Debt Fix is 1.4.7, and it was last updated on November 17, 2025. This indicates the app is actively maintained and receives regular updates. ### What is the age rating for Debt Fix? Debt Fix has an age rating of 4+, meaning it is suitable for users of all ages. The app focuses on financial planning and debt management. ### What do users think of Debt Fix? Debt Fix has an average rating of 3.9 stars from 10 ratings. While the rating is generally positive, user feedback can provide more specific insights into likes and dislikes. ## Version history (last 5 releases) ### 2.3.1 — 2026-08-21 Bug Fixes - Money freed up when you pay off a debt now goes to your focus debt that same month instead of the month after, so every month of your plan matches the monthly payment you set. Your payoff date may move earlier and your total interest down. ### 2.3.0 — 2026-08-18 What's New - Settings > Data now has an iCloud Sync screen that shows whether your debts are actually reaching iCloud, including your account status and the result of the last download and upload. - New setup screens explain how your payoff plan works, why DebtFix is free, and how your data is stored. Improvements - When you add your first debt during setup, the form stays open so you can enter the second one your plan needs. - DebtFix now explains Apple's tracking prompt on its own screen before the prompt appears, instead of raising it the moment you open the app. - On iPad, the add and edit debt forms open full screen, so the field you are typing in stays just above the keyboard. Bug Fixes - Your extra payment now stays with your focus month. Confirming that payment used to hand the extra to the next debt, so the app asked you to pay it twice. ### 2.2.4 — 2026-08-14 Improvements - The widget's progress ring now uses your selected theme color instead of always showing blue. Bug Fixes - The widget now updates as soon as your plan changes, including when you switch payoff method, skip a debt, mark one as already paid, or make a change on another device. - The widget no longer reports last month's payments as current on the first day of a new month. ### 2.2.3 — 2026-08-04 Improvements - The Debt Snapshot chart now has a legend, and each debt keeps the same color across the Debt Snapshot, Payoff Order, and Payoff Journey cards. - Tap a debt in the Debt Snapshot legend to highlight its slice and see its balance and rate. Bug Fixes - The Payoff Order list is now sorted by payoff date, so a debt that clears earlier is no longer listed below one that clears later. ### 2.2.2 — 2026-07-30 Bug Fix - Catching up on missed months no longer charges interest on a card inside its 0% promotional window, so your balance ends up lower. Extra payments in those months now go to your highest rate debt. ## Apps similar to Debt Fix | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance | | [Debt Snowball - Payoff Planner](https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759) | 4.7 (1,321) | Free | Finance | | [Debt Payoff Box: Snowball Plan](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873) | 4.5 (2,418) | Free | Finance | | [Paidback: Debt help](https://appshunter.io/ios/app/paidback-debt-help/id1519197729) | 4.6 (27) | Free | Finance | | [Loan Calculator - Loan2Me](https://appshunter.io/ios/app/loan-calculator-loan2me/id1442980816) | 4.8 (8,234) | Free | Finance | | [Debt Payoff Planner - Monnelia](https://appshunter.io/ios/app/debt-payoff-planner-monnelia/id6478008842) | 4.4 (11) | Free | Finance | ## More apps by Christopher Donoso - [Split This: Receipt Splitter](https://appshunter.io/ios/app/split-this-receipt-splitter/id6448710448) - [FutureNest](https://appshunter.io/ios/app/futurenest/id6760983239) All apps by Christopher Donoso: https://appshunter.io/developer/1885026399 --- *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 2026-08-29.*