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Debt Payoff Planner & Tracker

Debt Payoff Planner & Tracker

Debt Free Snowball Calculator

7.3K ratings
266 reviews
With Ads#74 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated
  • November 4, 2015
  • September 26, 2026

Features

Developer

OxbowSoft LLC
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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 7.3K 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

2.3.4

September 26, 2026

Enhanced support for iOS 27 to help you on your debt payoff journey

10

Subscriptions & In-App Purchases

12 Month Subscription

Access to all Pro features

$27.991 Year
Price Updates
October 3, 2026→$27.99
May 8, 2026→$19.99
March 11, 2026→$27.99
How to cancel Debt Payoff Planner & Tracker subscription ⁉️

Charts

Top Grossing

📈 74+6

Finance

This app rose +6 positions in Finance chart.

Last updated on October 13, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Great App

Love using this app. It has definitely helped me to stay on track with my goals.
AngmicAngmic

Great app

I love it
RafelinarjRafelinarj

Review

This has helped me keep track of my payments. The only thing I don’t understand is how to change the timeframe of when I want to pay certain debts off. The calculation may be off but I could be misunderstanding the app.
CourtneyMF08CourtneyMF08

Best App Ever!

This app has made it very easy to understand my finances. It has calculated all the math that I manually use to do as well as the reminders!
JenrivversJenrivvers

Poor

I pay for this app, and truly the only thing it’s good for is calculating and categorizing my debt. The app doesn’t do a good job of tracking monthly payments and instead I have to go in and do that manually every month. It also doesn’t have an option for one time payments, or to customize with debt you want to tackle first. Very simple ask, but the app is garbage for functionality.
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rolester21rolester21
See 261 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.