# Debt Payoff Tracker & Planner — Snowball/Avalanche Calculator

> Debt payoff planner with multiple strategies and payment tracking. (iPhone/iPad app by Alona Nesterenko.)

- Source: https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474 (this page in markdown: same URL + `.md`)
- Developer: [Alona Nesterenko](https://appshunter.io/developer/1890650834)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.90/5 from 8 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 6 MB
- Languages: American English
- Released: 2026-01-13
- Data updated: 2026-09-06
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474/reviews.md

## What is Debt Payoff Tracker & Planner?

Debt Payoff Tracker brings your credit cards, loans, payments, and due dates into one place. Record what you actually pay and see your payoff projection update as balances change.

FOUR PAYOFF STRATEGIES
• Debt Snowball — Start with the smallest balances
• Debt Avalanche — Prioritize the highest interest rates
• Credit Score Focus — Target higher-utilization cards
• Custom Order — Arrange debts your way

WHAT-IF CALCULATOR
Try different extra-payment amounts and compare estimated months saved, potential interest savings, and total payoff time.

TRACK YOUR DEBTS
Add credit cards, student loans, auto loans, mortgages, personal loans, medical bills, and other balances.

PAYMENT HISTORY
Record payments, view principal and interest breakdowns, and add notes.

PAYMENT SCHEDULE
View a month-by-month projection of payments, balances, interest, and estimated payoff timing.

BUDGET SUMMARY
Compare your monthly income with planned debt payments and see how much remains.

REMINDERS, PRIVACY & SECURITY
• Customizable payment reminders
• App Lock with Face ID, Touch ID, or Passcode
• No bank connection or app account required

OPTIONAL ICLOUD SYNC
Keep your debts, payments, and payoff plan synced across your iPhone, iPad, and Mac when iCloud Sync is enabled.

CREDIT UTILIZATION
Track overall and card-level utilization with simple status indicators.

9 CURRENCIES
USD, EUR, GBP, CHF, CNY, CAD, AUD, JPY, and SAR.

PREMIUM
The free version allows one debt. Upgrade to Premium to track unlimited debts.

Terms of Use - https://pipsapps.com/terms.html
Privacy Policy - https://pipsapps.com/privacy.html

## Key features

- Four payoff strategies (Snowball, Avalanche, Credit Score Focus, Custom)
- Real-time debt-free date calculator
- What-if calculator for extra payments
- Track unlimited debts (with premium)
- Multi-currency support
- Payment history and breakdown
- Payment reminders

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Premium. | $4.99 | per month |
| Yearly Premium | $9.99 | per year |
| Weekly Premium | $0.99 | per 7 days |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Access | $19.99 | one-time |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474/reviews.md

### 4/5 — Pretty great

*2026-08-07*

I do like this app a ton!!  It is the best payoff tracker I’ve tried.  HOWEVER, I just wish that there was a way to show a checkmark when you make a payment on the schedule section.  It would be so amazing to be able to just check off on the schedule when I make a payment and then I can easily see that I made the payment.

**Developer response:** Thank you so much for your kind words! I’m happy to let you know that this feature has now been added - you can mark payments as completed directly in the Schedule and easily see your progress at a glance. Thank you again for the great suggestion and for helping make the app better!

### 4/5 — Simple and easy to use

*2026-06-11*

Simple and easy to use but it needs iCloud sync to make it brilliant

**Developer response:** Thanks for your feedback! iCloud sync has now been added and is available in the latest version, so you can keep your debts, payments, and payoff plan synced across iPhone, iPad, and Mac.

## Frequently asked questions about Debt Payoff Tracker & Planner

### What are the debt payoff strategies offered by Debt Payoff Tracker?

Debt Payoff Tracker offers four proven strategies: Debt Snowball (smallest balances first), Debt Avalanche (highest interest first), Credit Score Focus (high-utilization cards), and a Custom Order option.

### Can Debt Payoff Tracker handle multiple currencies?

Yes, Debt Payoff Tracker supports tracking debts in 8 different currencies, including USD, EUR, GBP, CHF, CNY, CAD, AUD, and JPY.

### How does Debt Payoff Tracker help with credit scores?

The app features an exclusive Credit Score Focus method that prioritizes paying down high-utilization credit cards, which can help improve your credit score while you work towards becoming debt-free.

### What kind of debts can I track with Debt Payoff Tracker?

You can track virtually any type of debt, including credit cards, student loans, auto loans, mortgages, personal loans, and medical bills.

### Does Debt Payoff Tracker have ads?

No, Debt Payoff Tracker does not contain advertisements. The app is ad-free, allowing for an uninterrupted user experience.

### What is the cost of Debt Payoff Tracker?

Debt Payoff Tracker is free to download and use for tracking one debt. Premium upgrades are available via subscription, with options for Weekly Premium at $0.99 and Yearly Premium at $9.99.

### How often is Debt Payoff Tracker updated?

The app was last updated on May 9, 2026, indicating active development and maintenance. Users can expect ongoing improvements and bug fixes.

### Is my financial data secure with Debt Payoff Tracker?

Yes, security and privacy are prioritized. The app offers App Lock with Face ID, Touch ID, or Passcode, and all your data is stored directly on your device, with no account required.

## Version history (last 5 releases)

### 1.3 — 2026-08-13

- Added payment checkmarks to the Schedule, with a pre-filled Record Payment form and clear partial, completed, and extra-payment states.
- Improved payoff calculations to correctly handle interest, multiple payments, partial payments, payoff amounts, and recorded payment history.
- Refined the interface for light/dark mode, larger text sizes, consistent card styling, and faster navigation with many debts.

### 1.2 — 2026-08-01

UI improvements

### 1.1.9 — 2026-07-21

UI improvements

### 1.1.8 — 2026-07-06

Ui improvements

### 1.1.7 — 2026-06-26

Minor improvements and bug fixes

## Apps similar to Debt Payoff Tracker & Planner

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [PaidOff: Debt Tracker](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566) | 5.0 (7) | Free | Finance |
| [Debt Payoffs Tracker](https://appshunter.io/ios/app/debt-payoffs-tracker/id6755793398) | — | Free | Finance |
| [PayAway: Debt Payoff Planner](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874) | 5.0 (11) | Free | Finance |
| [Debt Payoff Tracker & Planner*](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6759447205) | — | Free | Finance |
| [ClearDebt: Snowball Planner](https://appshunter.io/ios/app/cleardebt-snowball-planner/id6753349222) | 3.5 (2) | Free | Finance |
| [Debt Payoff Planner Plus](https://appshunter.io/ios/app/debt-payoff-planner-plus/id6758942155) | — | Free | Finance |

## More apps by Alona Nesterenko

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All apps by Alona Nesterenko: https://appshunter.io/developer/1890650834

## Related topics

[pay off debt tracker](https://appshunter.io/ios/topics/pay-off-debt-tracker) · [debt tracker](https://appshunter.io/ios/topics/debt-tracker) · [free debt payoff tracker](https://appshunter.io/ios/topics/free-debt-payoff-tracker)

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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 2026-09-06.*