# LayaWise: Debt Payoff Planner — Debt Tracker & Loan Planner

> Debt Tracker & Loan Planner (iPhone/iPad app by Julious Lara.)

- Source: https://appshunter.io/ios/app/layawise-debt-payoff-planner/id6804250344 (this page in markdown: same URL + `.md`)
- Developer: [Julious Lara](https://appshunter.io/developer/6804250346)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 58 MB
- Languages: American English
- Released: 2026-08-27
- Data updated: 2026-10-25

## What is LayaWise?

Take control of your debt with a clear plan.

LayaWise is an offline-first debt tracker and payoff planner that helps you organize what you owe, prepare for upcoming payments, choose a repayment strategy, and track your progress toward becoming debt-free.

No bank connection. No account required. Your financial data stays on your device.

PLAN YOUR DEBT PAYOFF

See all your active debts in one place and understand what needs your attention next. Track balances, due dates, payment activity, and progress without connecting a bank account.

CHOOSE A PAYOFF STRATEGY

Use flexible repayment approaches based on your priorities, including strategies inspired by debt snowball, debt avalanche, due-date priority, installment planning, and more.

Whether you want quick wins, want to reduce costly debt first, or simply need a manageable payment plan, LayaWise helps you stay organized.

PREPARE FOR UPCOMING PAYMENTS

Know what payments are coming and how much you need to prepare.

Use Payment Fund to set aside money for your debts and see whether your available fund is enough for upcoming payments before they become due.

TRACK EVERY PAYMENT

Record payments and keep a clear history of your progress.

View your debt activity using an easy-to-read table or timeline so you can quickly understand how your balances have changed over time.

SEE YOUR PROGRESS

Monitor your remaining balances, payments, and debt payoff progress through simple insights designed to keep things clear and understandable.

MANAGE DIFFERENT TYPES OF DEBT

LayaWise can help you organize:

• Credit card debt
• Personal loans
• Installment payments
• Borrowed money
• Buy-now-pay-later balances
• Other personal debts

PRIVATE BY DESIGN

LayaWise works offline and does not require a bank connection or user account.

Your debt information is stored locally on your device, giving you greater control over your personal financial data.

BUILT FOR SIMPLE DEBT MANAGEMENT

No complicated budgeting system.
No bank syncing.
No unnecessary setup.

Just a focused debt tracker and payoff planner to help you understand what you owe, prepare what you need, and make progress one payment at a time.

Start building your debt payoff plan with LayaWise.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| LayaWise Premium | $1.99 | one-time |


## Is LayaWise safe?

Not enough ratings yet to assess LayaWise.

## Is LayaWise legit?

LayaWise: Debt Payoff Planner appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for LayaWise is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.0.8 — 2026-09-29

• Added a clearer table view for debt activity and payment history
• Improved payment tracking and Payment Fund flow
• Refined debt details for easier progress monitoring
• Improved navigation and overall usability
• Fixed bugs and made performance improvements
• Add system appearance light and dark mode

Keep your debt plan clear, organized, and moving forward with LayaWise.

### 1.0.7 — 2026-09-23

Added a new Table view in Debt Details → Activity for a cleaner, easier-to-scan transaction history.
You can now switch anytime between Table and Timeline views.
Improved the Record Payment flow when your Payment Fund balance isn’t enough.
Added a confirmation step before opening Add Payment Fund, so you stay in control of the payment process.
General UI improvements, fixes, and stability enhancements.

### 1.0.6 — 2026-09-13

Redesigned bottom navigation for a cleaner, more modern experience
Added a new quick “+” button to create debts faster
Simplified navigation to Home, Debts, Strategy, and Profile
Improved overall navigation usability and polish
Minor UI improvements and bug fixes

### 1.0.5 — 2026-09-10

Refreshed Debt Focus cards with quicker access to Record Payment
Added helpful suggestions when creating a debt
Made Wisey more compact in the debt creation flow
Polished layouts, spacing, and overall LayaWise experience
Bug fixes and stability improvements

### 1.0.4 — 2026-09-10

• Updated the App Store description for clearer feature highlights
• Added a new screenshot showcasing multi-currency debt tracking
• Minor listing and presentation improvements

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| App | Rating | Price | Category |
| --- | --- | --- | --- |
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| [Debt Payoff Tracker & Planner](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474) | 5.0 (11) | Free | Finance |
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## More apps by Julious Lara

- [PawStory: Pet Memories & Care](https://appshunter.io/ios/app/pawstory-pet-memories-and-care/id6808679989)
- [Chits - Chat Notes & Boards](https://appshunter.io/ios/app/chits-chat-notes-and-boards/id6814889822)
- [GoGo: Budget & Expense Tracker](https://appshunter.io/ios/app/gogo-budget-and-expense-tracker/id6820734718)

All apps by Julious Lara: https://appshunter.io/developer/6804250346

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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 2026-10-25.*