# Debt Payoff Pro

> Debt payoff planner using snowball and other strategies with progress tracking. (iPhone/iPad app by SVT Software.)

- Source: https://appshunter.io/ios/app/debt-payoff-pro/id429095280 (this page in markdown: same URL + `.md`)
- Developer: [SVT Software](https://appshunter.io/developer/286029963)
- Category: Finance, Business
- Price: $0.99
- Rating: 3.00/5 from 84 App Store ratings · 116 written reviews indexed
- Age rating: 4+
- Requires: iOS 8.0 · 4 MB
- Languages: American English
- Released: 2011-04-06
- Data updated: 2026-09-07
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-pro/id429095280/reviews.md

## What is Debt Payoff Pro?

*** ON SALE 50% OFF FOR A LIMITED TIME ***

Featured by Apple in "What's Hot" list

Debt Payoff Pro will help you to payoff all your debts using the popular Debt-snowball method.  The debt-snowball method is the primary debt management technique taught and recommended by many financial experts.  Using this approach, you would pay the minimum payments on all your debts until your first debt is payoff.  Then you would use the extra payment from the paid off debt and apply it to the next debt.  The amount of extra payment will grow as more debts are payoff which results in a "snowball" affect that will help you to payoff subsequent debts faster and increasing your confidence in the process.

* Bonus Calculator Apps Included
- Payoff Date Calculator
- Mortgage Calculator
- Loan Calculator

FEATURES

* Universal Binary
- Designed for iPhone, iPod Touch, and iPad devices.  No need to buy separate apps for each device.

* Multiple Debts Tracking
- Track unlimited number of debts.

* Multiple Payoff Strategies
- Lowest Balance First
- Highest Balance First
- Highest Interest First
- Custom Ordering

* Debt Payment Tracking
- Tracking your debt payment is as simple as highlighting the payment from the payment schedule.

* Extra Payment Support
- Make extra principal payments to pay off your debts faster.

* Charts and Reports
- See your total debts, debts remaining, total interest paid, total interest saving, debt payoff date, and debt payoff time savings via charts and reports.

* Percent Paid Progress Bars
- Progress bar for each debt helps motivate you toward paying off your debts.

* Payment Due Date Notification
- Reminds you when payments are due.  You can also set the time of day that you want to be notified.

* Amortization Table
- A complete payment schedule allows you to view the interest, principal, and remaining balance for each and every payment of the loan.

* Dynamic Custom Ordering of Debts
- With the custom ordering strategy, you can dynamically change the order of debts payoff from the main screen and instantly see how it affects the total debt plus interest amount and the debt payoff date.

* Payoff Date Calculator
- Use the built-in calculator to see the how the monthly payment amount will affect the payoff date and total interest paid.

* Passcode Security
- Passcode protection to keep financial information private.

* Export Capability
- Export your payment list and amortization schedule in HTML format via email.

* Large Number Keypad
- Enter numeric amounts easier and faster with a large standard keypad.

* Customization Settings and Icons
- Configurable settings and beautiful debt icons to customize the application based on your preferences.

* Debt Delete Lock
- Prevents accidental deletion of debts and debt payment tracking.

* Backup / Restore
- Backup your data to your computer for safekeeping.  Then restore it to your iOS device when you need to via the iTunes file sharing interface.

* International Currency Supports
- Currency support is based on the region setting of your device.

* Clean, Intuitive User Interface

* FREE Debt Payoff Lite Version
- Not convinced if Debt Payoff Pro is right for you?  Please download the free Debt Payoff Lite version and see for yourself.

## Key features

- Debt snowball payoff method
- Multiple debt tracking
- Various payoff strategies
- Payment schedule and tracking
- Progress charts and reports
- Payment due date notifications
- Bonus financial calculators

## Chart rankings

- #130 in Top Paid · Finance (US App Store)

## What do users think of Debt Payoff Pro?

Overall sentiment: mixed

**Pros**

- 👍 Easy-to-use interface and simple layout
- 📊 Helpful visualization with pie charts and progress tracking
- 💰 Affordable price point ($0.99)
- 🎯 Effective debt snowball method implementation
- 📱 Works across iPhone and iPad devices
- ✅ Motivating to see debt payoff timeline
- 🧮 Useful loan calculator feature

**Cons**

- 🐛 Date system frequently incorrect or stuck in past years
- ❌ Cannot edit existing debts without deleting and re-entering
- ❌ No flexibility for changing debt amounts or interest rates
- ❌ Limited payment frequency options (monthly only)
- ❌ Paid version offers minimal difference from free version
- 🔄 Changes to payments reset all previous transaction history
- ❌ Cannot add new debts without affecting existing ones
- 📱 Poor iPad compatibility and rotation issues
- ❌ No syncing across multiple devices
- ❌ No way to contact developer for support
- 🐛 App freezes or crashes during use
- ❌ Inaccurate interest calculations
- ❌ Cannot track additional charges or purchases on revolving accounts

**Commonly reported bugs**

- Dates default to incorrect years (2016, 2018, 2023) instead of current year
- Cannot change or reset payment dates after initial entry
- Date system stuck in past years with no way to update
- App freezes and becomes unresponsive
- iPad version doesn't rotate properly, cutting off information
- Incompatible with iOS 7 and newer updates
- Interest calculations are inaccurate
- Payment history resets when making any changes to plan
- Edit button on debt payment screen non-functional
- New debts are backdated to original entry date
- Pie chart labels cut off on reports screen
- Snowball method doesn't automatically apply payments to next debt

**Most requested features**

- Bi-weekly, weekly, and fortnightly payment options
- Ability to edit debts without deleting and starting over
- Support for extra/one-time payments with impact visualization
- Ability to change payment dates and amounts flexibly
- Multiple debt payoff plans simultaneously
- Cloud sync across devices (iCloud, Dropbox)
- Income tracking and integration
- Ability to add new debts with custom start dates
- Print functionality
- Payment reminders and congratulation notifications
- Support for different currencies
- Ability to track revolving credit account changes
- Semi-monthly and accelerated payment options
- Interest-free period tracking for credit cards
- Escrow accounting for mortgages
- Notes field for debt tracking
- Introductory rate and date range tracking
- Ability to reorder debts by amount
- Summary page showing monthly obligations
- Debt grouping by category (student loans vs credit cards)

## Recent user reviews (10 of 116)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-pro/id429095280/reviews.md

### 3/5 — Good but could be better

*2026-03-24, version 5.1*

I like the easy to use format of this app but the date is ALWAYS off. I added a debt and the payoff date was set as 2023….its 2026.  It seems like this would be an easy update.  Please fix this issue!!!!

### 1/5 — Not helpful.

*2025-08-22, version 5.1*

Wasted $.99.

### 3/5 — Accounts 3 interface?

*2025-04-13, version 5.1*

Does Debt Payoff Pro interface with accounts 3?

### 5/5 — Helpful and useful app!  Rated  1

*2025-02-07*

This is a great app.  It’s been available for a long time, since the early days of the iPhone.  It helped me to become debt free before, and now due to unfortunate health expenses I find myself needing it again.  You never know what life may bring in terms of hardship.  This will help you fix it and become free of the blood sucking interest charges.

### 4/5 — Great App, but…

*2025-01-09*

I enjoy this app and find it very helpful, but it doesn’t account for income, making the last few months of each debt under the snowball method unrealistically large and difficult to manage. Switching between the snowball method and non-extra payments is also inconvenient, as it requires users to re-mark paid months, and it only allows checking off three months at a time. If I’ve already marked six months as paid and switch from non-snowball, it resets all my progress. While I can work around this by updating the remaining balance manually, it would be much more convenient if the app offered an option to preserve already marked paid months.

### 4/5 — Month change

*2024-12-28, version 5.1*

How do I change the month of the payment? The software is about three months behind.M

### 2/5 — Needs imagination

*2024-06-28*

Although a useful tool, it is not flexible enough to update changes without deleting the whole lot of information and starting over ie if a debt increases, you can’t adjust the overall amount. 

Secondly, once you start to make payments and you wish to change the debt payment method, you’ve got to start over again!

The app needs more flexibility for real life scenarios.

### 2/5 — Needs a lot of work to edit and make useful

*2024-03-12, version 5.1*

After using for almost a year I feel it was a waste of time and money. I feel it is a useless waste of time using it.

### 2/5 — App needs work

*2023-08-12, version 5.1*

This app has potential, but is missing the mark on a couple of details.  Would love to ask the developer about these issues, but can’t find any way to contact them.   Frustrating.

### 3/5 — It doesn’t know what year we are in.

*2023-08-10, version 5.1*

This app still thinks it’s last year and I can’t find a way to fix that.

## Frequently asked questions about Debt Payoff Pro

### What is Debt Payoff Pro?

Debt Payoff Pro is a mobile application designed to help users systematically pay off their debts. It utilizes popular financial strategies, such as the debt snowball method, to accelerate debt repayment and build user confidence.

### What are the key features of Debt Payoff Pro?

Key features include tracking unlimited debts, supporting multiple payoff strategies (snowball, highest balance, highest interest, custom), detailed debt payment tracking, extra principal payment support, progress charts and reports, payment due date notifications, and built-in calculators for payoff dates, mortgages, and loans.

### How much does Debt Payoff Pro cost?

The application is a paid app. While there is a current 50% off sale for a limited time, the standard pricing model is a one-time purchase for the full application.

### What devices is Debt Payoff Pro compatible with?

This app is a universal binary, meaning it is designed to work seamlessly on iPhone, iPod Touch, and iPad devices. You do not need to purchase separate versions for different Apple devices.

### How does the debt snowball method work in this app?

The app implements the debt snowball method by guiding you to make minimum payments on all debts except the smallest one. Once the smallest debt is paid off, you add its payment amount to the next smallest debt, creating a growing 'snowball' effect to pay off subsequent debts faster.

## Version history (last 5 releases)

### 5.1 — 2017-09-19

This update from Apple will improve the functionality of this app. No new features are included.

Fixed issue with app not able to launch on iOS 11

### 5.0 — 2017-04-25

- Optimized for iOS 8
- Bug fixes

### 4.0 — 2014-04-09

- Optimize UI screens to add support for 4” displays and iOS 7.
- Ability to backup / restore data via the action button on the upper left corner of the Settings screen.
- Minor bug fixe and UI improvements.

### 3.5.3 — 2012-03-24

- Maintenance release.

✥ Please check out our Ace Budget 2 app with iCloud sync.  Thank you!

### 3.5.2 — 2012-02-20

- Fix calculator tab bar icon & payoff plan tab bar icon not highlighted correctly.

✥✥ Please check out our NEW Accounts 2 Checkbook app for just $0.99 for a limited time!

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## More apps by SVT Software

- [Loan Calculator Pro](https://appshunter.io/ios/app/loan-calculator-pro/id304485729)
- [Mortgage Calculator Pro](https://appshunter.io/ios/app/mortgage-calculator-pro/id315103123)
- [Debt Payoff Assistant](https://appshunter.io/ios/app/debt-payoff-assistant/id475099959)
- [Accounts 2 Checkbook](https://appshunter.io/ios/app/accounts-2-checkbook/id494333145)
- [Accounts 2 Lite - Checkbook](https://appshunter.io/ios/app/accounts-2-lite-checkbook/id496868060)

All apps by SVT Software: https://appshunter.io/developer/286029963

## Related topics

[debt payoff pro](https://appshunter.io/ios/topics/debt-payoff-pro) · [payoff pro](https://appshunter.io/ios/topics/payoff-pro)

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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 2026-09-07.*