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Debt Payoff Planner & Tracker

Debt Payoff Planner & Tracker

Debt Free Snowball Calculator

6.7K ratings
259 reviews
With Ads#69 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated
  • November 4, 2015
  • February 4, 2026

Developer

OxbowSoft LLC
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iphone
ipad
🧾$6.99 - $41.99
In-App Purchase↘︎
📉no. 69
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About

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

✓Customized debt repayment schedule
✓Debt Snowball payoff strategy
✓Debt Avalanche payoff strategy
✓Debt Snowflake payoff strategy
✓Track loan payments
✓Budget additional payments
✓View payoff scenarios
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What users say

Summarized from real user reviews of Debt Payoff Planner & Tracker. Based on 6.7K reviews and a 4.7/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💯Excellent debt tracking and planning
  • 🔍Detailed debt breakdown and payoff timeline
  • 🎯Helps stay motivated and on track
  • 👍Simple and easy to use interface
  • 🤑Affordable premium subscription
  • 🔢Customizable debt payoff strategies

Negative things

  • 🐛Occasional app crashes and stability issues
  • 📆Lack of flexible payment frequency options (weekly, bi-weekly)
  • 💰Frustration with premium-only features
  • 🔢Difficulty making changes to existing debt entries
  • 💸Concerns about recurring subscription costs
See all reviews

What's New in Debt Payoff Planner & Tracker

2.3.2

February 4, 2026

Additional stability improvements to help you on your debt-free journey

Subscription plans

12 Month Subscription

Access to all Pro features

$27.991 Year
Price Updates
July 20, 2026→$27.99
May 8, 2026→$19.99
March 11, 2026→$27.99
How to cancel Debt Payoff Planner & Tracker subscription ⁉️

Charts

Top Grossing

📉 69-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on July 23, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Bring back original

All data lost after using for years. Loved this app now to use new version I have to start again! Not good!
Annie Mac 23Annie Mac 23

What if

Great app for running what if scenarios to get debt paid off fastest. I love seeing the numbers go down and the time it takes to pay off things disappear.
danalanais the onedanalanais the one

Can’t add lump sums

I needed a very simple tracker where I could see how much was left each month. However it only allows me to add monthly payments not one-off lump sums.
JuicyGlassesJuicyGlasses

Helpful and Enlightening

Reality check on your finances and helpful coming up with a plan. Added extra payments and you see immediately how your end date and interest you save.
SanteeSueSanteeSue

Can nolonger add additional payments

Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever took over and changed it all.
Dont often reviewDont often review
See 254 more reviews

User experience

🐞

Reported Bugs

3 issues

App freezes when trying to delete debt entries

Bug

Debt balances not updating correctly after payments

Bug

Inconsistent behavior when entering due dates

Bug
✨

Requested Features

5 requests

Add ability to track recurring income and expenses

Feature

Implement biweekly or weekly payment options

Feature

Improve flexibility for editing debt details

Feature

Provide option to export data and reports

Feature

Add support for multiple currencies

Feature

FAQ

What does the Debt Payoff Planner & Tracker app do?

This app helps you create a personalized, step-by-step plan to pay off your loans. It uses your loan details and budget to generate customized repayment schedules and allows you to track your progress towards becoming debt-free.

What are the key debt payoff strategies supported?

The app supports several popular strategies including Dave Ramsey's Debt Snowball (paying off smallest balances first), Debt Avalanche (paying off highest interest rates first), Debt Snowflake (making one-time extra payments), and custom payoff plans.

Is the app free to use?

The app is free to download and use, but it does offer in-app purchases. This means some features or content may require an additional purchase.

What information do I need to use the loan calculator?

To calculate your debt-free date, you'll need to input the current balance of your loan, the annual percentage rate (APR), and the minimum payment amount. This minimal input allows for a customized debt repayment schedule.

How does the app help me stay focused on my financial goals?

The app provides a clear payoff chart showing two scenarios: one with only minimum payments and another with additional payments. It also allows you to track your payments, see your progress over time, and offers articles with tips on paying off specific loan types faster.