# Debt Payoff Planner & Tracker — user reviews > 264 indexed App Store user reviews of Debt Payoff Planner & Tracker by OxbowSoft LLC, rated 4.70/5 from 7,221 ratings. - Source: https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews - App overview in markdown: https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715.md - Rating breakdown: 5★ 6,218 · 4★ 528 · 3★ 204 · 2★ 85 · 1★ 186 ## 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 ## Newest reviews (12 of 264) ### 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. ### 2/5 — Ok at first *2026-03-08, version 2.3.2* Was good for the first 5 minutes and now it’s constantly having a spinning circle ### 5/5 — Amazing app! *2026-02-11, version 2.3.2* I never write reviews for apps, but I love this app so much that I felt like I had to put it out into the world. This app has made a huge difference in my debt payoff journey! The graphs and visualizations of my debts have helped me to understand what I was dealing with. I found the visuals to be really motivating, and i’ve made so much progress since I started tracking. Not only that, but at one point I had a question and emailed the app developers. They went above and beyond to answer my question, and were incredibly helpful and kind! I really can’t say enough positive about this app. Highly recommend to anyone looking to get a better grasp on their finances! ### 5/5 — Real review *2026-02-08, version 2.3.2* This app is amazing, it works out everything for you and debt becomes less daunting I paid for the pro version cheap in my eyes and it’s worked out how to pay back my loans and given me a time frame to pay it back and what to pay back when taking into consideration my minimum payments and interest rates ### 4/5 — Good app *2026-02-05, version 2.3.2* Some bugs but overall does the job and good price point. ### 5/5 — Best Tracker *2026-01-31, version 2.3.1* I am so happy that I discovered this app, unlike EXPERIAN and Credit Karma, this app actually keeps track of my debts and the time period of when I will be.debt free, the idea that I can become debt free in the next year and 8 months, or shorter, is a blessing in disguise, I can’t wait for that day and I never put myself in debt again. ### 5/5 — Exactly what I needed *2026-01-12, version 2.3.0* Perfect app for managing my loans by being able to keep track of each upcoming payment date and amount. Also makes a plan to be able to be debt free faster by telling you what to prioritize. Also, NO ADS! Other apps have an ad for every little thing you want to scroll through or add. This app has a paid feature which is nice but not an immediate need. ### 5/5 — Amazing debt app! *2026-01-12, version 2.3.0* This free app has really helped with track, and keep accountability with paying off my debt. I’ve cleared it all in 14 months thanks to this app 😊 ### 5/5 — Easy To Use! All your debts in one place! *2026-01-03, version 2.3.0* I really enjoy the layout of the app and the way that it gives me a visual of my debts. It is really helpful to see when I will be debt free and be able to edit my payment amounts within the app. I like having the ability to log in and see all of it instead of having to log into various apps which can be time consuming. ### 5/5 — Getting in control of my debt *2026-01-01, version 2.2.9* I love the app. It’s gonna help me take a three year debt and take it down to a year and three months. For the developer I would really like to see an integrated Calculator into the app platform. That way I don’t have to constantly flip between screens, I would also love to see something for subscriptions. Keep up the good work. I’ll be using this platform for years on. ### 4/5 — This helped us hit goals! *2025-12-29, version 2.2.9* This is a really good day tracker that my wife and I have used to eliminate a lot of our debt over the past year. All around the features are easy to use. Main areas for improvement are including AI for automatic recalculation of debt amounts, eliminate manual updating, provide insights, and prompting. ### 5/5 — Lo que siempre quise para controlar mis deudas. *2025-11-29, version 2.2.7* Definitivamente esta aplicación hace lo que siempre he querido de una manera sencilla y bastante precisa. Aún hay cosas que podrían mejorar pero en otro momento les escribiré mis comentarios. Vale pagar la versión pro. ## Most critical reviews (10 lowest-rated) ### 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. ### 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! ### 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. ### 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. ### 1/5 — Annoyance with app *2026-01-03, version 2.2.9* Found it super annoying. I really liked the visuals so i bought the premium, but it is unintuitive to apply my payments. I put it in the payment tracker but nothing populates. ### 1/5 — They scammed me! *2025-12-29, version 2.2.9* I purchased this app many years ago for the sole purpose of being able to use it on my laptop. The other benefit would be that I could print out my snowball to have a visual to keep track of. I don’t remember what I paid, but I do remember that it was lifetime membership. Now they say I need to pay every month or year. I had even provided proof of purchase. They told me it’s different now and they won’t honor it. It’s either monthly, yearly or nothing! I realize that I am just a tiny cog in the big wheel but you used my $ to grow your business. It’s a shame because ethics is very important. You should be able to count on a business doing the right thing- not this business! If I’m going to spend the money on this why not just get the Dave Ramsey Every Dollar app. It’s the same cost and run by ethical people that won’t steal your money for a service only to bait and switch when large enough!! Stay away from this business!!🤬🤬 ### 1/5 — Not working *2025-12-13, version 2.2.7* Stopped working ### 1/5 — Cannot access pro after paying for one year *2025-11-10, version 2.2.6* I upgraded to pro, but keeps my app as free member. Will not upgrade to pro after paying twice from two different devices. Rip off. Can’t get refund as not listed as refundable on App. $24:00 spent and no pro!! ### 1/5 — Loading issue *2025-10-03, version 2.2.6* I have subscription 5 days in and it won’t load. Closed reloaded went to Apple Store opened at still blank!!! Emails support ## Most praised reviews (10 highest-rated) ### 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! ### 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. ### 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. ### 5/5 — I LOVE!!! *2026-04-21, version 2.3.2* This app is extremely helpful in helping you get your debt in order and paid off in a timely manner. I wish I would have found it sooner!!! Everyone should be on this if you are trying to get rid of debt 🙏🏼 ### 5/5 — Impressed *2026-03-13, version 2.3.2* Very all-encompassing of the whole picture and plan of action. Well done ### 5/5 — Great tool! *2026-03-10, version 2.3.2* This app is great. This gave me the motivation I needed to visualize how I was going to pay off outstanding debt and pay for a house. Best of all, it’s a free app! ### 5/5 — Best App for keeping track *2026-02-26, version 2.3.2* This is by far the best app for me for helping me keep track of paying down my bills in the most efficient and fastest way possible ### 5/5 — Excellent App and Customer Support *2026-02-13, version 2.3.2* I have used this app well over a year and can’t say good enough things about it. Easy to use and makes a budget fun and doable. Customer service is prompt and earns an A+. ### 5/5 — My number one favorite app for debt organizing *2026-02-11, version 2.3.2* I got this app because I had a decent amount of debt payments and wanted to have it all in one place organize and this app has by far exceeded my expectations. Yes you do have to pay if you want to add more than 10 debts. But this app allows you to input APR and promotional periods, which is one of my favorite features. this app also makes a plan for you. That helps you pay off the debts that are gonna cost the most interest. I would honestly recommend this app to anyone who’s got a lot of debt in a lot of different places like me for example I had a firm in Klarna and PayPal and some jewelry account and credit card accounts. And this app has helped me organize those debts and pay them off in an orderly manner that saves the most money!! --- *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.*