# DebtUnlocked - Payoff Planner — Debt Payoff Planner & Tracker

> Personalized debt payoff planner and tracker with budget integration. (iPhone/iPad app by Ryan Lee.)

- Source: https://appshunter.io/ios/app/debtunlocked-payoff-planner/id6761954787 (this page in markdown: same URL + `.md`)
- Developer: [Ryan Lee](https://appshunter.io/developer/1892188741)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 15.1 · 60 MB
- Languages: American English
- Released: 2026-04-13
- Data updated: 2026-07-20
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/debtunlocked-payoff-planner/id6761954787/reviews.md

## What is DebtUnlocked?

Drowning in debt payments? DebtUnlocked shows you exactly how to pay it all off and when you'll finally be free.

Enter your debts, set a monthly budget, and get a personalized payoff plan in seconds. See the exact payoff date, total interest you'll save, and a payment schedule broken down month by month.

WHAT YOU CAN DO
• Track credit cards, student loans, auto loans, medical bills, and more
• Choose Avalanche (highest interest first) or Snowball (smallest balance first)
• Set a monthly budget and see how extra payments accelerate your payoff
• View full amortization tables: every payment, every month
• Get reminded before payments are due so you never miss one
• Log payments and watch your balances drop in real time
• Export your payoff plan to CSV and share with a financial advisor
• Watch your debt-free date count down as you make progress

Stop guessing. Start paying smarter.

Terms of Use: https://debtunlocked.app/terms
Privacy Policy: https://debtunlocked.app/privacy

## Key features

- Personalized payoff plans
- Track multiple debt types
- Avalanche or Snowball method
- Monthly budget setting
- Amortization tables
- Payment reminders
- Progress visualization

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| DebtUnlocked Pro Monthly | $4.99 | per month |
| DebtUnlocked Pro (Annual) | $29.99 | per year |
| Pro Annual | $19.99 | per year |



## Frequently asked questions about DebtUnlocked

### What is DebtUnlocked?

DebtUnlocked is a personal finance app designed to help users create and follow a personalized plan to pay off their debts. It allows tracking of various debt types, setting budgets, and visualizing progress towards becoming debt-free.

### How does DebtUnlocked help me pay off debt?

It generates a customized payoff plan based on your entered debts and monthly budget. You can choose between the Avalanche or Snowball payoff strategies and see a detailed schedule of payments.

### What types of debts can I track with DebtUnlocked?

You can track a variety of debts including credit cards, student loans, auto loans, and medical bills. The app provides tools to manage and monitor the progress of each debt individually.

### Does DebtUnlocked offer different payoff strategies?

Yes, DebtUnlocked supports two popular debt payoff strategies: the Avalanche method, which prioritizes debts with the highest interest rates, and the Snowball method, which focuses on paying off the smallest balances first.

### What are the subscription options for DebtUnlocked Pro?

DebtUnlocked offers monthly and annual subscription plans for its Pro version. The monthly plan is $4.99, while there are two annual options: $19.99 and $29.99. These plans likely unlock additional features beyond the free version.

### Is DebtUnlocked available on Android devices?

Based on the provided data, DebtUnlocked is currently supported on iPhone and iPod. Information regarding Android compatibility is not available.

### How often is DebtUnlocked updated?

The latest version of DebtUnlocked, 1.5.4, was released on July 6, 2026. This indicates a relatively recent update, suggesting ongoing development and maintenance for the application.

### Does DebtUnlocked have ads?

No, DebtUnlocked does not contain advertisements. The app is free to download and use, with optional in-app purchases for premium features.

## Version history (last 5 releases)

### 1.6.2 — 2026-07-11

New features and bugs squashed

### 1.6.1 — 2026-07-10

Bugs squashed and performance improvements

### 1.6.0 — 2026-07-09

- Added new payoff strategies
- Bugs squashed and performance improvements

### 1.5.4 — 2026-07-06

- Bugs squashed and performance improvements

### 1.5.3 — 2026-07-01

- Bugs squashed and performance improvements

## Related topics

[credit card payoff planner](https://appshunter.io/ios/topics/credit-card-payoff-planner)

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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 2026-07-20.*