# Debt Payoff Planner: Tracker — Snowball & Loan Calculator

> Debt payoff planner and tracker with multiple strategy comparisons. (iPhone/iPad app by Linas Nutautas.)

- Source: https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524 (this page in markdown: same URL + `.md`)
- Developer: [Linas Nutautas](https://appshunter.io/developer/1738774097)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 29 MB
- Languages: American English, Dutch, French (France), German (Germany), Italian, Japanese, Korean, Polish, Brazilian Portuguese, European Spanish and 3 more
- Released: 2025-06-15
- Data updated: 2026-08-25
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews.md

## What is Debt Payoff Planner?

Enter what you owe, get a payoff plan, see your debt-free date, and track progress payment by payment. Debt Payoff Planner turns your balances into a clear plan to become debt-free. It works both ways: track loans, credit cards, and mortgages you owe, plus money friends or family owe you. Add debts manually, log payments, compare payoff strategies, and see how your plan changes over time.

WHAT YOU CAN DO
- Add debts with amount, interest rate, monthly payment, and due date
- Track outgoing debts and incoming debts owed to you
- Categorize debts (auto loan, credit card, student loan, mortgage, or custom)
- Log payments and update progress automatically
- View principal vs interest breakdown for each payment
- Get reminders before payment due dates
- See which debts are overdue

PAYOFF STRATEGIES
- Snowball: smallest balance first for quick wins
- Avalanche: highest interest first to save money
- Cash Flow: free up monthly cash fastest
- Hybrid: one quick win, then highest interest

Compare strategies to see when you'll be debt-free and how much interest you may pay.

STATISTICS
- Total debt overview for incoming and outgoing debts
- Debt-free date countdown
- Payment breakdown charts
- Monthly payment trends
- Average monthly payment tracking

ACHIEVEMENTS
Stay motivated as you pay down debt:
- Progress badges at 25%, 50%, 75%, and 100%
- Streak tracking for on-time payments
- Celebration screens when you hit goals

PREMIUM FEATURES
- Unlimited debts (free version: 3 debts)
- All 4 payoff strategies (free: Snowball only)
- Advanced statistics and charts
- Debt-free date forecast
- Payment streak tracking
- Global achievement badges
- PDF report export

OTHER FEATURES
- Loan calculator to estimate new loans
- Payment reminders and overdue alerts
- Works offline
- No account required
- Data stays on your device

Debt Payoff Planner does not connect to your bank or access financial accounts. You enter debts manually and track payments yourself. Simple, private, and focused on helping you become debt-free.

Subscription Plans:
Monthly Plan: Get a full month of Premium for $4.99/month.
Yearly Plan: Try it FREE for 3 days, then continue for $29.99/year

Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours before the end of the current period. You can manage and cancel subscriptions in your App Store account settings after purchase.

Terms and Policies:
Privacy Policy: https://linasdev.io/privacy
Terms of Use: https://linasdev.io/terms

## Key features

- Personalized debt payoff plans
- Track loans, credit cards, and mortgages
- Compare Snowball, Avalanche, and Cash Flow strategies
- Log payments and track progress
- Debt-free date countdown
- Payment reminders and overdue alerts
- Works offline

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Debt Tracker Premium | $4.99 | per month |
| Debt Tracker Premium | $29.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524/reviews.md

### 1/5 — Useless app

*2026-01-16*

This app worked great in the beginning but now it crashes when ever you open it !

**Developer response:** We're really sorry the app isn't working as expected. Crashes like this are frustrating, and we want to help. Please make sure you have the latest version installed. If the issue persists, contact us through the app via Settings > Contact

## Frequently asked questions about Debt Payoff Planner

### What is Debt Payoff Planner?

Debt Payoff Planner is a finance app designed to help users create and track a plan to become debt-free. It allows you to enter your debts, compare different payoff strategies, and monitor your progress.

### How does Debt Payoff Planner help me become debt-free?

It provides a clear payoff plan based on your entered debts and chosen strategy (Snowball, Avalanche, Cash Flow, Hybrid). You can log payments, see your debt-free date countdown, and receive reminders.

### What payoff strategies does Debt Payoff Planner offer?

The free version offers the Snowball strategy. Premium features unlock the Avalanche, Cash Flow, and Hybrid strategies, allowing you to compare them for optimal debt reduction.

### Can I track multiple debts with Debt Payoff Planner?

The free version allows you to track up to 3 debts. For unlimited debt tracking, you can upgrade to the Premium subscription.

### Does Debt Payoff Planner connect to my bank accounts?

No, Debt Payoff Planner does not connect to your bank or access financial accounts. All debt information and payment tracking are entered manually by the user, ensuring privacy.

### What are the subscription costs for Debt Payoff Planner?

There is a monthly plan for $2.99/month after a 3-day free trial, and a yearly plan for $19.99. Subscriptions automatically renew unless canceled at least 24 hours before the current period ends.

### Is Debt Payoff Planner available on multiple devices?

Based on the provided data, the app is currently supported on iPhones. It is not specified if Android or other platforms are supported.

### How often is Debt Payoff Planner updated?

The latest version is 1.0.9, last updated on May 4, 2026. This indicates recent development activity, suggesting regular updates for improvements and bug fixes.

## Version history (last 5 releases)

### 1.1.3 — 2026-08-24

Performance improvements and bug fixes.

### 1.1.2 — 2026-08-10

Improved performance and fixed some UI bugs.

### 1.1.1 — 2026-07-19

Improved performance and fixed bugs.

### 1.1.0 — 2026-06-11

Bug fixes and performance improvements.

### 1.0.9 — 2026-05-04

Performance improvements and bug fixes.

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| App | Rating | Price | Category |
| --- | --- | --- | --- |
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| [ClearDebt: Snowball Planner](https://appshunter.io/ios/app/cleardebt-snowball-planner/id6753349222) | 3.5 (2) | Free | Finance |
| [Debt Payoffs Tracker](https://appshunter.io/ios/app/debt-payoffs-tracker/id6755793398) | — | Free | Finance |

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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 2026-08-25.*