# PaidOff: Debt Tracker — Smart debt tracking & insights > Personal finance app for tracking and managing debts with customizable payoff plans. (iPhone/iPad app by Andrew Aquino.) - Source: https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566 (this page in markdown: same URL + `.md`) - Developer: [Andrew Aquino](https://appshunter.io/developer/1546163712) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 7 App Store ratings · 2 written reviews indexed - Age rating: 17+ - Requires: iOS 26.0 · 30 MB - Languages: American English - Released: 2024-09-06 - Data updated: 2026-08-31 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews.md ## What is PaidOff? PaidOff gives you one clear picture of everything you owe, then shows you month by month exactly how it ends. Add your credit cards and loans and PaidOff builds the whole schedule: every payment, how much of it is interest, how much comes off the balance, and the month you hit $0. No sign-up, no bank login, nothing to pay for. Your numbers stay on your phone. KEY FEATURES • Your debt-free date. The month your last debt hits $0, and how long that is from today. If one of your debts isn't going to clear at what you're paying, it says that too instead of quietly leaving it out. • Total debt over time. A chart of where your debt has been and where it's headed, against last year and your 12-month average. Tap it for where you land and how much of the rest of the ride is just interest. • A statement for every month. The month opens at a starting balance, lists everything you recorded in the order it happened, and closes at what you owe. Tap any line to open the record behind it, or swipe it away. • Payments that show their work. Log what you actually paid and see where the money went: how much covered interest, how much came off the balance, what you owe now. On a loan the interest comes out of the payment. On a card it lands at the close of the month. The statement tells you which. • The adjustment line. When what you recorded and what PaidOff worked out don't match, the gap gets a line of its own instead of a number quietly bending. A purchase, an annual fee, or a payment you never logged shows up right there. • Confirm a month once it's settled. Payments you planned stay unconfirmed until you say they happened, so your schedule never claims something you didn't do. • A reminder on the day you pick. Set one on any debt, choose the day of the month and the time, and your phone tells you it's time to track what you paid. It opens straight to that debt. • The full amortization schedule. Starting balance, payment, interest, principal, total interest, and ending balance for every month of every debt. It opens on today. • Edit anything, one month or many. Change payments or balances across a run of months at once and the whole schedule recalculates. Even the first month's starting balance is yours to set. • Your dates, not the calendar's. Say which day a card's statement closes and which day each payment lands, and every month is measured on your cycle instead of the 1st. • Real APRs. Promotional rates, deferred interest, and more than one rate on the same card. • Loans that haven't started yet. Plan one before it originates and it joins your schedule the month it begins. • The honest warning. If what you're paying will never clear a balance, PaidOff tells you straight and shows you the payment that will. • Private by design. Your financial data lives on your device, and your reminders are scheduled there too. No account. No bank passwords. ## Key features - Account Management - Complete Debt Profile - Full Customization - Progress Tracking - Visual UI ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews.md ### 5/5 — No hassle App *2024-09-12* 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. **Developer response:** 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! ### 5/5 — Great find *2024-09-12* 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. **Developer response:** Thank you! I'm glad this app is helping you out! ## Frequently asked questions about PaidOff ### 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. ## Version history (last 5 releases) ### 3.1.1 — 2026-08-19 PaidOff 3.1 turns every month into a statement you can read, edit, and settle, and nudges you when it's time. • Monthly statements: tap any month on your schedule to see that month's payments and balances in the order they happened, and what each one did to the balance. It opens on a starting figure and closes on an ending one that adds up. • Settle it right there: confirm the payments you actually made without leaving the statement, and pull back any line you didn't mean to record. • Payment reminders: pick a day and a time for any debt, and get a nudge each month to track what you paid. It opens straight to that debt's payment tracker. • Real billing cycles: tell a card the day its statement closes and pick the day your payment lands. A payment made after the close credits the next cycle, the way your issuer does it. • Loans priced like loans: interest comes off the top of the payment instead of onto the balance, and every payment now says exactly where its money went. • Plan a loan before it starts: add a loan with a future start date and it sits in your plan from the month it opens. • Fix the month you started from: the first month's starting balance is editable now, so a plan built on the wrong number is one tap from right. • One set of numbers: home, your accounts, the schedule, and the statement all price from the same walk of your plan, so nothing disagrees. • Faster and more honest: schedules price several times faster, and a card no longer reads as "never pays off" just because a month had 31 days or a promo rate ended. Your data stays on your device. ### 3.1.0 — 2026-08-14 PaidOff 3.1 turns every month into a statement you can read, edit, and settle. • Monthly statements: tap any month on your schedule to see that month's payments and balances in the order they happened, and what each one did to the balance. It opens on a starting figure and closes on an ending one that adds up. • Settle it right there: confirm the payments you actually made without leaving the statement, and pull back any line you didn't mean to record. • Real billing cycles: tell a card the day its statement closes and pick the day your payment lands. A payment made after the close credits the next cycle, the way your issuer does it. • Loans priced like loans: interest comes off the top of the payment instead of onto the balance, and every payment now says exactly where its money went. • Plan a loan before it starts: add a loan with a future start date and it sits in your plan from the month it opens. • Fix the month you started from: the first month's starting balance is editable now, so a plan built on the wrong number is one tap from right. • One set of numbers: home, your accounts, the schedule, and the statement all price from the same walk of your plan, so nothing disagrees. • Faster and more honest: schedules price several times faster, and a card no longer reads as "never pays off" just because a month had 31 days or a promo rate ended. Your data stays on your device. ### 3.0.3 — 2026-08-03 PaidOff 3 is a complete rebuild — new design, new financial engine, and a much clearer picture of your debt. • All-new home screen: your total debt over time, this month's plan vs. what you've paid, and every debt's progress at a glance. • Know your debt-free date: tap any chart to see your payoff month, how many months are left, and how much of what's left is interest. • Track payments and balances: log payments with a live breakdown of interest vs. principal as you type. • Rebuilt amortization schedule: interest, principal, and running totals for every month — it opens on today's row and marks the month you hit $0. • Edit the past: fix payments or balances across multiple months at once; everything recalculates instantly. • Real APRs: promotional rates, deferred interest, and multiple rates per account. • The honest warning: if your payment will never pay off the balance, we say so — and show you the payment that fixes it. Your data stays on your device. ### 3.0.2 — 2026-08-01 PaidOff 3.0.0 is a complete rebuild — new design, new financial engine, and a much clearer picture of your debt. • All-new home screen: your total debt over time, this month's plan vs. what you've paid, and every debt's progress at a glance. • Know your debt-free date: tap any chart to see your payoff month, how many months are left, and how much of what's left is interest. • Track payments and balances: log payments with a live breakdown of interest vs. principal as you type. • Rebuilt amortization schedule: interest, principal, and running totals for every month — it opens on today's row and marks the month you hit $0. • Edit the past: fix payments or balances across multiple months at once; everything recalculates instantly. • Real APRs: promotional rates, deferred interest, and multiple rates per account. • The honest warning: if your payment will never pay off the balance, we say so — and show you the payment that fixes it. Your data stays on your device. ### 3.0.1 — 2026-08-01 PaidOff 3.0.0 is a complete rebuild — new design, new financial engine, and a much clearer picture of your debt. • All-new home screen: your total debt over time, this month's plan vs. what you've paid, and every debt's progress at a glance. • Know your debt-free date: tap any chart to see your payoff month, how many months are left, and how much of what's left is interest. • Track payments and balances: log payments with a live breakdown of interest vs. principal as you type. • Rebuilt amortization schedule: interest, principal, and running totals for every month — it opens on today's row and marks the month you hit $0. • Edit the past: fix payments or balances across multiple months at once; everything recalculates instantly. • Real APRs: promotional rates, deferred interest, and multiple rates per account. • The honest warning: if your payment will never pay off the balance, we say so — and show you the payment that fixes it. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*