# Debt Payoff Plan Calculator — Snowball repayment strategies

> Debt payoff planner with multiple repayment strategies and visualization tools. (iPhone/iPad app by AppRebel, Inc..)

- Source: https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289 (this page in markdown: same URL + `.md`)
- Developer: [AppRebel, Inc.](https://appshunter.io/developer/1227876283)
- Category: Finance, Business
- Price: Free
- Rating: 3.40/5 from 135 App Store ratings · 72 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.2 · 5 MB
- Languages: American English
- Released: 2014-08-16
- Data updated: 2026-08-17
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289/reviews.md

## What is Debt Payoff Plan Calculator?

Debt Free Calculator will help you payoff your debts faster.

Debt Free Calculator is an easy to use debt & loan calculator. The app lets you enter in various debts that you have and calculates the optimal payment strategy to get you out of debt as soon as possible. 

You can choose from a number of different debt repayment strategies, including:
• Highest Balance First, Snowball method
• Lowest Balance First, Snowball method
• Highest Interest First, Snowball method
• Lowest Interest First, Snowball method
• Or no repayment strategy at all

Features of Debt Free Calculator include:
• Detailed debt payment schedules
• Graphs 
• Statistics on your debts
• Compare different payment strategies
• And much more…

Give yourself the best tool to get out of debt as soon as possible. Give Debt Free Calculator a try today.

## Key features

- Debt repayment strategy calculator
- Snowball method options
- Highest balance first strategy
- Detailed payment schedules
- Debt payoff graphs
- Strategy comparison

## What do users think of Debt Payoff Plan Calculator?

Overall sentiment: mixed

**Pros**

- 👍 Helpful for debt management
- 💡 Motivates debt payoff
- 📈 Provides clear payoff projections
- ✅ Simple and easy to use
- 📊 Good for visualizing debt
- 🆓 Free to use
- 🎯 Focuses on debt snowball/avalanche

**Cons**

- 😵 Hard to read text/colors
- 🐛 Snowball method not working correctly
- 🚫 No dark mode support
- 🔢 Inaccurate calculations
- 🔄 Requires monthly updates
- 💰 Limits on payment/balance entry
- 📉 APR limit (99.99%)
- 💸 Ads can be intrusive

**Commonly reported bugs**

- App crashes frequently
- App is slow/laggy
- Amount box accepts only single digits
- Currency symbol changes unexpectedly
- Data entry issues (e.g., cannot enter '9')
- Calculations are incorrect
- Snowball/avalanche method doesn't apply correctly
- Text blends with background, unreadable
- App doesn't re-order debts based on chosen method
- Mortgage analysis shows incorrect payment changes
- App kicks out when entering data

**Most requested features**

- Option to adjust app colors/theme
- Native dark mode support
- Fix snowball/avalanche calculation logic
- Allow fractional cents for payments/balances
- Add option for extra principal payments
- Ability to sort debts by balance/payoff order
- Display payoff date for individual debts
- Calculator consistency with spreadsheet software
- Option to pay to remove ads
- Add original balance field
- Add loan start date field
- Improve calculator for APRs above 99.99%
- Add 'what if?' calculator for bigger payments
- Secure app info for shared devices
- Fix mortgage analysis accuracy
- Allow editing payments from the middle

## Recent user reviews (10 of 72)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289/reviews.md

### 1/5 — Hard to see

*2025-12-09*

The colors on the app make it almost impossible for me to read certain boxes and I didn’t see an option to switch or adjust. Also I selected the snowball option for the pay schedule and it didn’t appear that it actually applied that. It just snowballed the extra money.

### 3/5 — Only Two Issus

*2024-10-10*

I luv the app. It’s good tool to have traveling down this road to becoming debt free. My issues are when I select ‘Lowest Balance First - Snowball’, it doesn’t auto arrange the accounts in that manner. Plus, #2, once I enter the accounts I can’t freely move them around. Other than that, I like it!!!

### 3/5 — Nice

*2024-05-02, version 5.0*

Solid layout but if you have your phone in dark mode you’re going to have to switch to light mode to be able to see anything, I wish they had that option directly through the app but you have to go to your phones settings for iPhones not sure if it’s the same for android

### 1/5 — Incorrect

*2024-02-11, version 5.0*

The calculator is not consistent with PV/FV/Nper calculations using spreadsheet software.

### 2/5 — Not Accessible

*2023-10-21, version 5.0*

I’m only 43, but I can barely read anything on this app. The blue font on black background is completely unreadable to me. The light gray font on white is the same. Sounds like a good app, but I’ll never know. Highly recommend following WCAG design standards.

### 5/5 — Very Helpful

*2023-10-08, version 5.0*

Makes my financial life easier to deal with.

### 1/5 — You need to update each account monthly

*2023-10-01, version 5.0*

Strange if your balance is $1455.45 you either have to round off in enter $1455 or $1456 same issue with payment if your payment is 240.56 you either have to enter $240 or $241 the strange this if your apr is 5.5% it strangely allows fraction in the apr wow but not in the balance or payment that really needs to be fixed in a update. Another annoying problem is seems like every month I seem to need to update a few accounts because the app seems to screw things up.
Annoying that you’ve to update each account every month because it keeps adding another month every month.

### 5/5 — Love it!

*2023-08-14*

I have been searching for an app like this it is perfect! 
I love how the app shows you when you'll pay off the credit card and how much interest youd pay if you only paid the minimum every month. It gets you motivated to want to pay more. For instance i have a credit card where i owe $2,470 a interest of 25% and minimum monthly payments of $80/m. If stay only paying the minimum monthly amount I would pay it off in Sept 2027 and id pay $1,529 extra in interest so in total it would be $3,999. Thats crazy!! So if i pay $500 extra a month id pay this card of in Dec of 2023 and I only pay $145 in interest than so i finish it off with paying $2,615 in total. 
It will also show how much in interest youll pay for each month which is so awesome☺️ 
If your like me and want to start to understand where your going with this debt and what you need to do to pay of your debt sooner. I highly suggest downloading the app.

### 1/5 — What happened?

*2023-07-03*

I’ve had this app for a while. It is basic, but gives you some good info. However, after not using for a while I opened it today to find there have been some bad updates. Namely the color choices for the background. It blends with the text and you can’t read it. It does not look like the examples shown here on the App Store. It’s not a white background with black text. It is a black background with black text. So after many years of utilizing it, I deleted it.

### 3/5 — Meh

*2023-05-30*

Nice little app, some annoying bits though…

1) Doesn’t work for APR’s above 99.99%. Impossible to factor in short term loans for this reason

2) Doesn’t natively adapt to Dark Mode, have to turn it off in order to see what data has been inputted in the boxes (debt name, amount, APR, etc…)

## Frequently asked questions about Debt Payoff Plan Calculator

### What does the Debt Payoff Plan Calculator do?

This app helps you pay off your debts faster by calculating the most optimal payment strategy. It allows you to input your various debts and then suggests a plan to get you out of debt as soon as possible.

### What debt repayment strategies are available?

The app offers several repayment strategies, including the snowball method (highest balance first, lowest balance first, highest interest first, lowest interest first) and the option to not use a specific strategy.

### Is this app free to use?

Yes, based on the provided information, this app is free to use and does not have in-app purchases or ads.

### What kind of financial insights does the app provide?

The app provides detailed debt payment schedules, visual graphs of your progress, and statistics on your debts. You can also compare different payment strategies to see which one works best for you.

### Who would benefit from using this app?

Anyone struggling with multiple debts and looking for a clear, actionable plan to become debt-free would benefit. It's particularly useful for those who want to understand and implement strategies like the snowball method.

## Version history (last 5 releases)

### 5.0 — 2020-09-10

Version 5.0!
-New UI and Additional Functionality!
-Bug fixes and performance improvements!

### 4.0 — 2019-02-26

- Minor bug fixes

### 3.5 — 2015-06-11

- Improved UI
- Minor bug fixes

### 3.2 — 2015-03-14

• Improved UI
• Minor bug fixes

### 3.1.2 — 2015-01-23

• Improved UI
• Updated for iOS 8

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## More apps by AppRebel, Inc.

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- [World Currency Converter FOREX](https://appshunter.io/ios/app/world-currency-converter-forex/id628614469)
- [Car Loan Calculator Plus](https://appshunter.io/ios/app/car-loan-calculator-plus/id686704188)
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- [Koala Browser - Sleep Better](https://appshunter.io/ios/app/koala-browser-sleep-better/id788474204)

All apps by AppRebel, Inc.: https://appshunter.io/developer/1227876283

## Related topics

[payment plan debt](https://appshunter.io/ios/topics/payment-plan-debt) · [debt free dad](https://appshunter.io/ios/topics/debt-free-dad) · [debt payoff calculator](https://appshunter.io/ios/topics/debt-payoff-calculator) · [debt snowball payoff tracker](https://appshunter.io/ios/topics/debt-snowball-payoff-tracker)

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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 2026-08-17.*