# Debt Planner: Payoff & Gap — Close the gap. Pay off debt.

> Close the gap. Pay off debt. (iPhone/iPad app by Carl Beckett.)

- Source: https://appshunter.io/ios/app/debt-planner-payoff-and-gap/id6811692879 (this page in markdown: same URL + `.md`)
- Developer: [Carl Beckett](https://appshunter.io/developer/6799587504)
- Category: Finance, Productivity
- Price: $4.99
- Age rating: 4+
- Requires: iOS 15.0 · 5 MB
- Languages: American English
- Released: 2026-11-04
- Data updated: 2026-11-06

## What is Debt Planner?

Debt Planner is a cash-flow control room for people who are spending more than they take in and want a straight answer about how to fix it.

THE MONTHLY GAP
Enter your take-home pay, your fixed costs and your debts. Debt Planner averages your real variable spending over the last three complete months and shows one number: how far short (or ahead) you are every month. No guesses, no rosy budgets.

BRING IN YOUR TRANSACTIONS
Import bank and card statements as CSV, Excel, OFX/QFX or PDF, or connect your banks through SimpleFIN Bridge for automatic daily sync. Duplicates are caught automatically. Hundreds of built-in merchant rules categorize spending for you, and one tap fixes a category and applies it to similar transactions.

EVERY DEBT IN ONE PLACE
Cards, store cards, buy-now-pay-later, personal loans, auto loans, student loans. See balance, APR, monthly interest and which payments are not even covering the interest. Linked accounts keep balances up to date.

A PAYOFF PLAN THAT FITS YOUR NUMBERS
Run avalanche or snowball with any extra payment and see the debt-free date, total interest, and interest saved versus minimums. Test a balance transfer before you apply for one.

LEVERS
Turn the gap into a checklist of concrete moves, each with a dollar value. Tick them off and watch the gap close.

YOUR DATA IS YOURS
Everything is private to your account. Bank credentials are stored server-side and never shown in the app. Delete your account and all data at any time from inside the app.

Debt Planner is an organizing and calculation tool, not financial advice.

## Is Debt Planner safe?

Not enough ratings yet to assess Debt Planner.

## Is Debt Planner legit?

Debt Planner: Payoff & Gap has limited verification signals. The AppsHunter Legitimacy Score for Debt Planner is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-11-05

No release notes.

## More apps by Carl Beckett

- [SLP Session Studio](https://appshunter.io/ios/app/slp-session-studio/id6818690599)
- [SLP Practice at Home](https://appshunter.io/ios/app/slp-practice-at-home/id6822119705)

All apps by Carl Beckett: https://appshunter.io/developer/6799587504

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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 2026-11-06.*