# Debt Payoff Planner: MagicDebt — Credit Card Manager Tracker

> Intelligent credit card debt payoff planner with visual progress tracking. (iPhone/iPad app by Logical Magic Inc.)

- Source: https://appshunter.io/ios/app/debt-payoff-planner-magicdebt/id6751165830 (this page in markdown: same URL + `.md`)
- Developer: [Logical Magic Inc](https://appshunter.io/developer/1703399815)
- Category: Lifestyle, Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 18 · 5 MB
- Languages: American English
- Released: 2025-11-28
- Data updated: 2026-06-08
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-planner-magicdebt/id6751165830/reviews.md

## What is Debt Payoff Planner?

MagicDebt — Built to Help You Get Out of Debt

MagicDebt is the simple, intelligent way to take control of your credit cards and pay them off faster — one paycheck at a time.

Pay Smarter, Not Harder

MagicDebt shows you exactly how much to pay on each card every payday. Its smart allocation engine helps you divide your income across all your cards based on your balances, limits, and interest rates — so you can make real progress without guesswork.

Automated Motivation

Stay on track with interactive charts, trends, and widgets that visualize your debt payoff progress. See how your last payment stacks up with color-coded trends and pie charts that make your financial journey feel tangible and rewarding.

All-in-One Simplicity

Add your cards once — MagicDebt remembers your limits, rates, and payments.

View your payment history in a clean, calendar-style timeline.

Tap to mark payments as submitted or confirmed.

Track upcoming expenses and distributions effortlessly.

Get reminded when it’s payday and ready to distribute.

Privacy-First & Vision-Smart

MagicDebt never shares your financial data. 

Personal Progress, Made Visual

From interactive pie charts to pay-cycle graphs, MagicDebt turns your debt reduction journey into a clear, motivating picture. Zoom, swipe, or tap to explore your progress — every dollar toward freedom is visible.

Built-In Accountability

MagicDebt meets you where you are. Whether you’re managing $1,000 or $10,000 in debt, it helps you plan with clarity, not shame.

MagicDebt requires subscription or in app purchase to access the distribution planning and purchases tracking.

EULA: http://www.apple.com/legal/itunes/appstore/dev/stdeula
Privacy: https://privacy.logicalmagic.tech/

## Key features

- Smart debt allocation engine
- Visual progress tracking with charts
- Card limit, rate, and payment management
- Payment history timeline
- Upcoming expense tracking
- Payday reminders

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Monthly | $3.99 | per month |
| Pro Yearly | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Pro | $44.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-planner-magicdebt/id6751165830/reviews.md

### 5/5 — Awesome

*2025-11-28*

This fits my workflow perfectly and helps me pay off my credit card debt!

## Frequently asked questions about Debt Payoff Planner

### How does MagicDebt help me pay off debt?

MagicDebt uses a smart allocation engine to suggest how much to pay on each credit card based on your balances, limits, and interest rates. It helps you make real progress towards becoming debt-free.

### What features require a subscription or in-app purchase in MagicDebt?

Access to the distribution planning and purchase tracking features within MagicDebt requires a subscription or an in-app purchase. Other features are available for free.

### Does MagicDebt have ads?

No, MagicDebt does not contain advertisements. The app is free to download and use, with optional in-app purchases for advanced features.

### What subscription plans are available for MagicDebt?

MagicDebt offers a Pro Monthly plan at $3.99 with a 1-month free trial, and a Pro Yearly plan at $19.99 with a 3-day free trial.

### How does MagicDebt visualize my debt payoff progress?

MagicDebt provides interactive charts, trends, and widgets, including color-coded trends and pie charts, to make your financial journey tangible and rewarding. You can zoom, swipe, or tap to explore your progress.

### Is my financial data safe with MagicDebt?

Yes, MagicDebt is privacy-first and never shares your financial data. The app is designed with user privacy as a top priority.

### What devices does MagicDebt support?

MagicDebt currently supports iPhones. It is designed to help users manage their finances on the go.

### How often is MagicDebt updated?

The latest version of MagicDebt is 0.0.4, and it was last updated on March 20, 2026. This indicates a recent update and ongoing development.

## Version history (last 4 releases)

### 0.0.4 — 2026-03-20

Bug fixes

### 0.0.3 — 2026-01-27

Bug Fixes

### 0.0.2 — 2025-12-24

Improved Widgets, and many small bug fixes.

### 0.0.1 — 2025-11-28

No release notes.

## More apps by Logical Magic Inc

- [Pet Lens](https://appshunter.io/ios/app/pet-lens/id6462793790)
- [Explore Nearby Food - Lokal](https://appshunter.io/ios/app/explore-nearby-food-lokal/id6477338068)
- [Bubble Popper 3D](https://appshunter.io/ios/app/bubble-popper-3d/id6477757743)
- [Draw A Widget: Draw Things](https://appshunter.io/ios/app/draw-a-widget-draw-things/id6499372105)
- [CRM Journal \| Timely Contact](https://appshunter.io/ios/app/crm-journal-timely-contact/id6557036252)
- [Moji Battle - 2 Person Game](https://appshunter.io/ios/app/moji-battle-2-person-game/id6739760817)

All apps by Logical Magic Inc: https://appshunter.io/developer/1703399815

---

*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 2026-06-08.*