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PaidOff: Debt Tracker

PaidOff: Debt Tracker

Smart debt tracking & insights

8 ratings
3 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
September 6, 2024
Updated
October 9, 2026

Features

Developer

Andrew Aquino
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PaidOff: Debt Tracker screenshot #1 for iPhone
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About

Manage all your debts in one place with detailed insights into your payoff journey. Customize amortization schedules and APRs to visualize your progress towards financial freedom and save money.

✓Account Management
✓Complete Debt Profile
✓Full Customization
✓Progress Tracking
✓Visual UI
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What's New in PaidOff

4.2.0

October 9, 2026

Connect your bank with PaidOff Plus. Your balances, posted payments, and rates update automatically, and every monthly statement is itemized by your bank. Bank connections are secured by Plaid. • Overdue warnings. With your bank connected, a debt's card tells you when a payment is overdue and a late fee was applied. • Sign in with your phone number to back up your debts and open them on your iPhone or iPad. An account is always optional. • New payoff timeline. Tap your debt-free date to see every debt in the order it clears and the month it's gone. • Sort Home by payment day, or by highest or lowest balance. • Set a payment reminder while you add a debt. Everything you track by hand is still free.

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Subscriptions & In-App Purchases

PaidOff Plus Monthly

Bank sync and your live payoff plan

$9.001 Month
How to cancel PaidOff subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Deserves 10 Stars

I can’t believe this app is completely free with no ads, really. It is the most in-depth app I have even seen and that includes subscription apps. Thank you, for helping everyone get free from debt. You are very rare when so many are “In App subscription.”
BPBeatle Perez

Response from developer

Thank you, this really made my day! I just want to build an app that truly helps people. If there's anything you find yourself doing by hand that you wish PaidOff did for you, I'd love to hear it at support support@coconutlabs.io

No hassle App

App is as advertised. Pretty good for a free app. I chose this app specifically because it didn’t require connection to a bank or nor did it need any personal information to function.
There’s room for improvement but it’s not necessary.
-After finalizing the data inputted for the debt, the user is unable to edit/alter the name again. Found out very quickly after the second submission when I noticed I misspelled something.
-There’s not an option for customizing which debt you want to pay down first. Snowball, Avalanche and Mountain methods don’t work for everyone.
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JJax123Face

Response from developer

Thank you for the kind words! Amazing feedback as well. - I updated the account screen so you can change the name after creation :) - I added a new strategy called "Priority", this is more personal and you should be able to sort your accounts to which ones you want to pay first Hope this helps!

Great find

I found this while looking for a new financial app, I like this one because it’s geared more towards tracking debt which is what I was looking for actually. I love the graphs and information it shows me and it’s clear and easy to understand, there’s different strategies like snowball which I ended up using and it showed me how much interest I will save if I follow it. Looking forward to more updates from this developer.
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Uuiiiiur

Response from developer

Thank you! I'm glad this app is helping you out!

FAQ

What is PaidOff?

PaidOff is a finance app designed to help users track and manage their debts. It offers features like account management, a complete debt profile visualization, and customizable payoff schedules.

How does PaidOff help users save money?

By allowing full customization of amortization schedules and APRs, PaidOff helps users understand the long-term costs of their debts. This insight can guide them to make more informed decisions, potentially saving money on interest over time.

What devices does PaidOff support?

Currently, PaidOff is supported on iPhone devices. The app was last updated on August 31, 2025, indicating ongoing development.

Is PaidOff free to use?

Yes, PaidOff is available for free. However, it does contain advertisements to support its development and operation.

How often is PaidOff updated?

The latest version of PaidOff, 2.0.1, was released on August 31, 2025. This suggests the app is actively maintained and updated by its developer.

What is the age rating for PaidOff?

PaidOff has an age rating of 4+, making it suitable for a wide range of users. The app focuses on financial tracking and management tools.

Can I customize my debt payoff plan in PaidOff?

Yes, PaidOff offers full customization of your debt profile, including amortization schedules and APRs. This allows you to tailor the payoff journey to your specific financial situation.

What do users think of PaidOff?

PaidOff has received a perfect 5.0-star rating from 7 reviews, indicating a very positive user sentiment. Users appreciate its ability to organize and visualize debt payoff.