# Debt Guide - Payoff Planner — Snowball Calculator & Tracker

> Debt payoff planner and tracker with Snowball and Avalanche strategies. (iPhone/iPad app by Hussain Mustafa.)

- Source: https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892 (this page in markdown: same URL + `.md`)
- Developer: [Hussain Mustafa](https://appshunter.io/developer/1247104628)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.80/5 from 49 App Store ratings · 12 written reviews indexed
- Age rating: +4
- Requires: iOS 15.0 · 98 MB
- Languages: American English
- Released: 2025-03-23
- Data updated: 2026-08-24
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews.md

## What is Debt Guide?

Take Control of Your Finances with Debt Guide – The Ultimate Debt Payoff Planner & Tracker

Are you struggling with multiple debts and looking for a way to become debt-free faster? Debt Guide is your all-in-one solution to manage, track, and pay off debts efficiently. Whether it’s credit cards, student loans, car loans, or personal loans, Debt Guide helps you create a customized debt repayment plan using proven payoff strategies like the Snowball and Avalanche methods.

Debt can feel overwhelming, but with the right plan and tools, financial freedom is within your reach. Debt Guide simplifies debt management by providing easy-to-use features, insightful analytics, and structured repayment strategies tailored to your financial situation. With its intuitive interface, you can track progress, visualize payments, and stay motivated on your journey to becoming debt-free.

Key Features:
Debt Payoff Planner: Create a personalized repayment plan that suits your financial situation. Choose from Debt Snowball (smallest balance first) or Debt Avalanche (highest interest first) methods to pay off debts efficiently.

Track Multiple Debts: Manage all your loans, credit cards, and other debts in one place. Add details like balances, interest rates, and due dates for a clear financial overview.

Payment Reminders: Never miss a due date! Get timely alerts so you can avoid late fees and keep your credit score healthy.

Smart Payment Insights: Understand how much interest you’re paying and identify ways to save money with smarter repayment decisions.

Customizable Payment Plans: Adjust your monthly payments to see how different strategies impact your debt-free timeline. Experiment with extra payments and see how much faster you can eliminate your debt.

Interactive Charts & Graphs: Visualize your progress with insightful graphs that show your total debt reduction over time. Stay motivated as you see your debt shrinking!

Debt Payoff Calculator: Use the built-in calculator to determine how long it will take to become debt-free based on your current payments.

Ad-Free Experience: Enjoy a seamless, distraction-free app experience with no annoying ads.

How Debt Guide Helps You Achieve Financial Freedom
Step 1: Add Your DebtsInput details for each debt, including balance, interest rate, and minimum payment.

Step 2: Choose a Payoff StrategySelect the Snowball or Avalanche method based on your preference.

Step 3: Track Your ProgressMonitor your repayment journey with detailed charts and reports.

Step 4: Stay Consistent with RemindersReceive payment alerts to avoid missed deadlines and late fees.

Step 5: Adjust Your Plan as NeededExperiment with different payment amounts to optimize your debt payoff timeline.

Don’t let debt control your life. Download Debt Guide now and take the first step towards financial freedom. With our powerful tools and simple interface, you’ll be on the fast track to eliminating debt and achieving peace of mind.

Privacy Policy: https://hussainmustafa.com/privacy-policy-debt-guide/
Support: https://hussainmustafa.com/debt-guide-support/
Terms Of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Personalized debt repayment plans
- Snowball and Avalanche payoff methods
- Track multiple loans and credit cards
- Payment reminders and alerts
- Interactive progress charts and graphs
- Ad-free experience

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Yearly | $39.99 | per year |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Premium Lifetime | $79.99 | one-time |


## Recent user reviews (10 of 12)

All indexed reviews: https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews.md

### 5/5 — One of BEST!!!

*2025-12-13*

I have tried many apps, and this is one of the best. It’s excellent for debit tracking. Some features are missing, such as the ability to record loans given to others and an installment category. Also, custom payment options are not available. Otherwise, it’s a great app overall and highly recommended. 👍

### 1/5 — It’s a real struggle to record payments…

*2025-12-02*

Using this app. It has my information in it and when I go to show that a payment has been made there’s no place to do that. Until this is fixed, I find this app useless.

### 3/5 — It’s okay

*2025-11-06*

Not what I was hoping for. No options to make extra payments other than once a month. I usually make several extra payments within the month. I run on a weekly and monthly budget.  I prefer to make my extra payments weekly or when I end up having extra money.

### 5/5 — Fantastic but could use linking

*2025-08-26*

Amazing app, clearly laid out a plan for me. However, all tracking is manual, and transactions can’t be added to the cards

### 3/5 — Great potential

*2025-08-26*

This app has great potential as a budget supplemental tool to help you “see” your debt and develop a game plan for paying it down. There are still some issues such as once you enter a payment, you can’t edit or delete the transaction. Second, once you enter a payment with the extra, I wish you could “see” the extra because right now my principal doesn’t decrease proportionally to the extra payment on the principal. I bought lifetime access, but I’ll probably explore other apps in hopes of finding “the one to rule them all”.

### 3/5 — Synchronizing

*2025-07-20*

I found this app on AppleAdvice and downloaded it to one of my 2 iPhones. The subscription and the cost of the app was free. Some time has passed and I want to synchronize my second iPhone so that the details of my debts are the same on both phones. So far I don’t know how to do that and I’m wondering if is possible. Help!

### 3/5 — Recurring options limited

*2025-04-25*

Right now, you can only choose monthly recurring. Hopefully they can add options like bi-weekly, quarterly.

### 4/5 — Good app

*2025-04-24*

Coule be great to add payment every 2 week !

### 5/5 — Impressive

*2025-04-24*

Feed it your values and outputs your timespan

### 5/5 — a must have!

*2025-03-29*

I’ve been using this app for a while, and it’s been amazing. I had around $3,000 in debt and wasn’t sure where to start. After downloading this app, everything became so much easier. I definitely recommend it!

## Frequently asked questions about Debt Guide

### How does Debt Guide help users become debt-free?

Debt Guide provides a structured approach to debt management by allowing users to input all their debts, choose a payoff strategy (Snowball or Avalanche), and track their progress. The app also offers payment reminders to help users stay consistent.

### What payoff strategies does Debt Guide offer?

Debt Guide supports two popular debt payoff strategies: the Debt Snowball method, which focuses on paying off the smallest balances first, and the Debt Avalanche method, which prioritizes debts with the highest interest rates.

### Can I track all my debts in Debt Guide?

Yes, Debt Guide allows you to manage all your loans, credit cards, and other debts in one place. You can input details such as balances, interest rates, and due dates for a comprehensive financial overview.

### Does Debt Guide offer payment reminders?

Yes, Debt Guide provides timely payment reminders to help users avoid missing due dates. This feature is designed to help users maintain a healthy credit score and avoid late fees.

### What are the subscription options for Debt Guide?

Debt Guide offers a Premium Monthly subscription for $9.99/month and a Premium Yearly subscription for $39.99/year. The yearly plan includes a 7-day free trial.

### Is Debt Guide available on all devices?

Debt Guide is currently supported on iPhone, iPad, and iPod devices, indicating compatibility with Apple's iOS ecosystem.

### How often is Debt Guide updated?

The latest version of Debt Guide is 1.0.23, and it was last updated on October 29, 2025. This suggests a relatively active development cycle for the application.

### What is the user sentiment for Debt Guide based on ratings?

Debt Guide has a high rating of 4.8 stars from 35 ratings, indicating that users generally have a very positive experience with the app and find its features effective for managing debt.

## Version history (last 5 releases)

### 1.1.1 — 2026-07-18

This version of Debt Guide - Payoff Planner includes bug fixes & performance improvements.

### 1.0.23 — 2025-10-29

This version of Debt Guide - Payoff Planner includes bug fixes & performance improvements.

### 1.0.19 — 2025-08-06

This version of Debt Guide includes bug fixes & performance improvements.

### 1.0.18 — 2025-04-25

* Bug Fixes & Performance Improvements

### 1.0.17 — 2025-04-21

* Bug Fixes & Performance Improvements

## Apps similar to Debt Guide

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Master Payoff Planner](https://appshunter.io/ios/app/debt-master-payoff-planner/id6740336646) | 5.0 (1) | Free | Finance |
| [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance |
| [Payoff Genius - Debt Planner](https://appshunter.io/ios/app/payoff-genius-debt-planner/id6741432114) | 4.2 (5) | Free | Finance |
| [DebtFreeVisualizer](https://appshunter.io/ios/app/debtfreevisualizer/id6742692020) | — | Free | Finance |
| [DebtDestroyer: Debt Payoff AI](https://appshunter.io/ios/app/debtdestroyer-debt-payoff-ai/id6749589738) | — | Free | Finance |
| [PayAway: Debt Payoff Planner](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874) | 5.0 (11) | Free | Finance |

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All apps by Hussain Mustafa: https://appshunter.io/developer/1247104628

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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 2026-08-24.*