# Debt Strategist — Loan payoff & buyback math

> Loan payoff & buyback math (iPhone/iPad app by Alex Lombry.)

- Source: https://appshunter.io/ios/app/debt-strategist/id6796989575 (this page in markdown: same URL + `.md`)
- Developer: [Alex Lombry](https://appshunter.io/developer/6784377490)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 10 MB
- Languages: American English, French (France)
- Released: 2026-08-20
- Data updated: 2026-10-07
- User reviews in markdown: https://appshunter.io/ios/app/debt-strategist/id6796989575/reviews.md

## What is Debt Strategist?

Your bank hands you a 240-line amortization table. It never answers the only question that matters: what do I do with the extra 100 I have this month?

Debt Strategist answers it.

Enter your loans — mortgage, car, student, revolving credit — and see, in numbers, where your money should go.

WHAT IT DOES

• Portfolio — total remaining debt, monthly total, and the month you're debt-free. One screen, no spreadsheet.

• Amortization — the full schedule for any loan, plus an interest-vs.-principal chart that shows exactly when your payment starts building equity instead of paying the bank.

• Early repayment simulator — put 5,000 in today, or raise your payment by 200 a month, and see the months and interest it removes.

• Snowball vs. avalanche — smallest balance first, or highest rate first? Both plans are computed side by side with the total interest and payoff date of each, so you choose with a number rather than a feeling.

• Refinance analyzer — origination fees, prepayment penalty, new rate, new term, and the break-even month. Sometimes the answer is that a buyback costs you money. The app says so.

• PDF export — a clean, printable report of your schedule or your buyback analysis, to take to your bank or your broker.

BUILT ON TWO PRINCIPLES

No account, no server. Your loans never leave your iPhone. This is arithmetic, not data to resell. No analytics, no third-party SDK, no sign-in.

One payment, no subscription. A calculator shouldn't charge monthly rent. Buy it once, keep it.

WHAT'S FREE, WHAT'S PAID

Free: portfolio, loan detail, full amortization schedule, early repayment simulator.

One-time purchase: snowball vs. avalanche comparison, refinance analyzer, and PDF export.

GOOD TO KNOW

Works in every currency your region uses, in English and French. No internet connection needed to compute anything. Dynamic Type and VoiceOver supported throughout.

Debt Strategist computes; it does not advise. It is not a bank, a broker, or a financial adviser, and it makes no recommendation about any specific credit product.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Full version | $3.99 | one-time |



## Version history (last 1 release)

### 1.0 — 2026-08-21

No release notes.

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## More apps by Alex Lombry

- [Laby Kids: Math & Logic Maze](https://appshunter.io/ios/app/laby-kids-math-and-logic-maze/id6784377488)
- [Gestion Locative](https://appshunter.io/ios/app/gestion-locative/id6793274023)

All apps by Alex Lombry: https://appshunter.io/developer/6784377490

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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 2026-10-07.*