# Debt Payoff Planner > Debt payoff planner for credit cards and mortgages with scenario analysis. (iPhone/iPad app by Business Insights ICT.) - Source: https://appshunter.io/ios/app/debt-payoff-planner/id455566854 (this page in markdown: same URL + `.md`) - Developer: [Business Insights ICT](https://appshunter.io/developer/447666547) - Category: Finance, Utilities - Price: $1.99 - Rating: 1.80/5 from 5 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 26.0 · 2 MB - Languages: American English - Released: 2011-08-12 - Data updated: 2026-08-23 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-planner/id455566854/reviews.md ## What is Debt Payoff Planner? Debt Payoff Planner helps you reduce debt faster with clear payoff scenarios based on your own numbers. Whether you are paying down credit cards or planning mortgage payoff options, the app gives you practical projections so you can make better financial decisions with confidence. What you can do: • Estimate how long it will take to pay off your debt • See projected total interest and total paid over time • Compare payoff outcomes by changing monthly payment amounts • Set a target payoff timeline and view the payment needed to reach it • Explore mortgage payment impact, including principal, interest, escrow, and extra payments • Test different scenarios to find a plan that fits your budget Credit Card Payoff Features: • Add and manage multiple credit cards • Track total balance and weighted APR • Switch between “Payment Amount” and “Installments” planning modes • See repayment period, total interest, and total paid estimates • Visualize principal vs. interest with clear charts • View strategy alternatives to evaluate payoff tradeoffs • Access plain-language explanations for selected payoff results inside the credit payoff screen Mortgage Features: • Calculate monthly payment based on home price, down payment, rate, and term • Include property tax, insurance, HOA, and extra monthly payments • Compare baseline vs. accelerated payoff results • See estimated interest saved and years saved from extra payments • Use interactive controls to quickly test different assumptions Who it’s for: • People who want a simple, practical debt payoff planner • Users comparing repayment strategies before committing to a plan • Anyone looking to reduce interest cost and become debt-free sooner Important Disclaimer: Debt Payoff Planner provides educational estimates and planning support only. It does not provide financial, legal, tax, or investment advice. Results depend on your assumptions and may differ from real-world outcomes. Questions or feedback: BI-Systems@live.com ## Key features - Estimate debt payoff timelines - Project total interest and payments - Compare payoff scenarios - Manage multiple credit cards - Calculate mortgage payments - Visualize principal vs. interest ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/debt-payoff-planner/id455566854/reviews.md ### 2/5 — Not working and not worth 99 cents *2018-12-30* Simple interface which could work well if...1) it allowed you to personalize/individualize accounts. With several different cards it’s hard to know which is which. 2) WAY too many glitches - even for low cost of 99 cents. 90% of the time the app would crash or freeze or move on before I completed entering my information. 1st time ever I’ve actually considered asking for a refund for 99 cents. ### 4/5 — Good but may only work for people without any intro promotions *2017-03-02* Great idea for me that wants to manage only credit cards and save as much interest as I can. However, please add a feature where you can enter credit cards with introductory promotional fees with time limits if you can. ## Frequently asked questions about Debt Payoff Planner ### How does Debt Payoff Planner help reduce debt? Debt Payoff Planner provides clear payoff scenarios based on your input. It allows you to estimate payoff timelines, see projected interest, and compare outcomes by adjusting monthly payments, helping you make informed decisions to pay down debt faster. ### What types of debt can I plan for with Debt Payoff Planner? You can use Debt Payoff Planner to plan for credit card debt, managing multiple cards with their respective balances and APRs. It also includes features for mortgage payoff planning, calculating monthly payments and exploring the impact of extra payments. ### Can I see the impact of different payment amounts on my debt? Yes, Debt Payoff Planner allows you to compare payoff outcomes by changing monthly payment amounts. You can also set a target payoff timeline and see the specific payment needed to achieve it. ### Does Debt Payoff Planner offer mortgage-specific features? Yes, the app includes mortgage features to calculate monthly payments based on home price, down payment, rate, and term. It also accounts for property tax, insurance, HOA fees, and extra payments, comparing baseline and accelerated payoff results. ### What is the pricing for Debt Payoff Planner? Debt Payoff Planner is a paid application, available for a one-time purchase of $1.99. There are no additional in-app purchases or subscription fees mentioned. ### What devices is Debt Payoff Planner available on? Debt Payoff Planner is supported on iPhone and iPad devices. It is designed for iOS users looking for financial planning tools. ### How often is Debt Payoff Planner updated? The app was last updated on March 16, 2026, indicating recent development activity. The current version is 3.0.0, released on August 12, 2011. ### Does Debt Payoff Planner have ads? No, Debt Payoff Planner does not contain advertisements. It is a paid application designed to be ad-free for a focused user experience. ## Version history (last 4 releases) ### 3.0.0 — 2026-03-16 • Expanded from a single credit card payoff tool to a broader debt planning app • Added support for multiple cards with consolidated payoff analysis • Added strategy comparison modes (payment-driven and timeline-driven planning) • Added clearer visual breakdowns of principal vs interest • Added AI-assisted explanations for repayment decisions and tradeoffs • Added mortgage planning features with payoff acceleration scenarios • Improved calculation accuracy for multi-card repayment simulations • Redesigned UI with modern workflows, cleaner navigation, and faster scenario testing • Added updated legal and privacy documentation (About, Disclaimer, Privacy Policy) • Improved overall performance and app structure for ongoing feature expansion ### 2.01 — 2017-01-10 This app has been updated by Apple to display the Apple Watch app icon. Minor tweaks on User Interface ### 2.0 — 2016-04-23 Totally redesigned application for both iPad and iPhone devices ### 1.0 — 2011-08-12 No release notes. ## More apps by Business Insights ICT - [Find Music Tune](https://appshunter.io/ios/app/find-music-tune/id1141648953) - [Venue Scout](https://appshunter.io/ios/app/venue-scout/id1545617500) - [Savvy Spend](https://appshunter.io/ios/app/savvy-spend/id6737447912) All apps by Business Insights ICT: https://appshunter.io/developer/447666547 ## Related topics [credit card payoff planner](https://appshunter.io/ios/topics/credit-card-payoff-planner) · [debt payoff planner plus](https://appshunter.io/ios/topics/debt-payoff-planner-plus) · [payoff planner](https://appshunter.io/ios/topics/payoff-planner) --- *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 2026-08-23.*