# Debt Payoff Planner & Tracker — Debt Free Snowball Calculator

> App for planning and tracking debt payoff using various strategies. (iPhone/iPad app by OxbowSoft LLC.)

- Source: https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715 (this page in markdown: same URL + `.md`)
- Developer: [OxbowSoft LLC](https://appshunter.io/developer/1009323714)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.70/5 from 7,221 App Store ratings · 264 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 8 MB
- Languages: American English
- Released: 2015-11-04
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews.md

## What is Debt Payoff Planner & Tracker?

The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans.

Today is the day to make a plan with a loan calculator and beginning paying down debt. Required inputs for calculating your debt free date are the current balance of the loan, the annual percentage rate (APR), and the minimum payment amount. That's the only requirement to getting a customized debt repayment schedule.

Easy steps to becoming debt free:

   - Enter your loans and debts
   - Enter your additional monthly payment budget to pay down faster
   - Choose a debt payoff strategy
      * Dave Ramsey's Debt Snowball (lowest balance first)
      * Debt Avalanche (highest rate first)
      * Debt Snowflake (one-time extra payment toward loans)
      * Custom debt free payoff plan

Debt Payoff Planner and Loan Calculator determines the optimum payment plan and how long it will take until you will be debt free. You tell the app how much you want to budget toward paying off your debt and we'll tell you how.  We recommend the Debt Snowball strategy because we believe that paying off individual accounts faster will help you stay focused on your financial goal of debt elimination. A payoff plan is only useful if you stick with it!

Your ability and willingness to pay more than the minimum payments is how you will become debt free in less time than you imagined. Budgeting your income will help you to get a regular monthly amount to pay down the debt faster. The payoff chart will show two payoff scenarios: only paying the minimum amounts, and the repayment schedule when you pay more the the minimum ever month.

Creating an account enables you to have a secure backup and your information is immediately available if you start using a new device.  Getting out of debt is hard, so we try to allow you to take baby steps toward this goal.

We believe that becoming debt free requires an easy starting point and making sure every dollar is leveraged perfectly. The loan calculator has minimal inputs in order to make your money management easy to follow.

The Debt Payoff Planner and Calculator is also used for tracking payments and updating the time-frame for becoming debt-free. Inputting payment information is as simple as typing in the amount and the date the payment was made. The goal of payment tracking is to see your progress over time and affirm that you are staying focused on your financial goals.

In addition to being a debt tracker and loan calculator, we are also trying to help point out some possible next steps with articles focused on how to pay off student loans, auto loans, and credit cards faster.  Also, there is some tips on credit card balance transfers as well as strategies for debt consolidation.

We support eight loan categories:
   * Credit Cards like Capital One, Citicard, Chase, etc.
   * Student Loans like Navient, Sallie Mae, Great Lakes, etc.
   * Auto/Car Loans
   * Medical Loans
   * Mortgages like Rocket Mortgage, SoFi, etc.
   * Personal Loans to friends and family or other individuals
   * Taxes like IRS or local municipalities
   * Other category could be anything from a paycheck loan to a hard money loan

In addition to the Debt Snowball calculator and the Debt Avalanche method, many users like to do a custom sorting of their debts.  This customization is available for users that want to be their own debt manager.

We allow the ability to provide a Debt Snowflake payoff as well.  A Debt Snowflake is a one-time payment from things like a bonus at work, a tax refund, an extra payday, etc.  This additional capability allows you to have tighter control over every dollar you are budgeting.

Terms of Service: https://www.debtpayoffplanner.com/terms-of-service/
Privacy Policy: https://www.debtpayoffplanner.com/privacy-policy/
End-User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 12 Month Subscription | $27.99 | per year |
| 3 Month Subscription | $13.99 | per 3 months |
| 1 Month Subscription | $6.99 | per month |
| Friends and Family 1 Month | $10.49 | per month |
| Friends and Family 12 Months | $41.99 | per year |


## Chart rankings

- #65 in Top Grossing · Finance (US App Store)

## What do users think of Debt Payoff Planner & Tracker?

Overall sentiment: positive

**Pros**

- 💯 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

**Cons**

- 🐛 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

**Commonly reported bugs**

- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates

**Most requested features**

- Add ability to track recurring income and expenses
- Implement biweekly or weekly payment options
- Improve flexibility for editing debt details
- Provide option to export data and reports
- Add support for multiple currencies

## Recent user reviews (10 of 264)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews.md

### 5/5 — Review

*2026-08-07, version 2.3.3*

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.

### 5/5 — Best App Ever!

*2026-08-04, version 2.3.3*

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!

### 1/5 — Poor

*2026-07-23, version 2.3.2*

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.

### 1/5 — Won’t open

*2026-07-23, version 2.3.2*

All of the sudden the app will not open.

### 3/5 — Ok, but not accurate

*2026-07-21, version 2.3.2*

I liked the idea of this app so much I paid for the subscription to access more of the features. The app, however leaves much to be desired. It does not accurately track balances despite all minimum payment, apr and promotion Apr information added. It does not allow for changes to minimum payments for an individual month. It doesn’t accurately predict addition of recurring funds or allow for changes to additional funds in a month. Just a lot of inaccuracies requiring constant updating and frustrations. Currently on the hunt for something more useful.

### 1/5 — Bring back original

*2026-07-12, version 2.3.2*

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

### 5/5 — What if

*2026-07-07, version 2.3.2*

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.

### 1/5 — Can’t add lump sums

*2026-06-24, version 2.3.2*

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.

### 5/5 — Helpful and Enlightening

*2026-06-03, version 2.3.2*

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.

### 1/5 — Can nolonger add additional payments

*2026-05-02, version 2.3.2*

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.

## Frequently asked questions about Debt Payoff Planner & Tracker

### 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.

## Version history (last 5 releases)

### 2.3.3 — 2026-07-30

Improvements in stability to help you on your debt-free journey!

### 2.3.2 — 2026-02-04

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

### 2.3.1 — 2026-01-19

Stability improvements to make your debt-free journey as smooth as possible

### 2.3.0 — 2026-01-03

Stability improvements and localization improvements to help you on your debt-free journey!

### 2.2.9 — 2025-12-23

More stability improvements to help you on your debt-free journey!

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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 2026-08-30.*