# Pay Down: Credit Card Payoff — See what purchases really cost

> See what purchases really cost (iPhone/iPad app by EZ Budget all year, LLC.)

- Source: https://appshunter.io/ios/app/pay-down-credit-card-payoff/id6763613005 (this page in markdown: same URL + `.md`)
- Developer: [EZ Budget all year, LLC](https://appshunter.io/developer/1895398148)
- Category: Finance, Education
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 50 MB
- Languages: American English
- Released: 2026-06-16
- Data updated: 2026-08-22
- User reviews in markdown: https://appshunter.io/ios/app/pay-down-credit-card-payoff/id6763613005/reviews.md

## What is Pay Down?

That $50 dinner on your credit card? If you carry the balance eight months at 24% APR, you paid $58. Most finance apps show you $50. Pay Down shows you $58.

Every purchase has a sticker price — and a real price. The real price is the sticker price plus the interest that accrues until you pay it off. Pay Down calculates and tracks that number for every transaction, on every card.

WHAT YOU GET

• See the real cost of every purchase — the original amount plus its allocated interest
• Know your debt-free date based on your actual payment pace
• Model what happens when you pay $50 more per month (or $200)
• Compare payoff strategies: avalanche, snowball, or cut spending
• Track progress as your balances actually move
• Deep spending Insights — true cost multiplier, category and merchant breakdowns, and effective APR trends (Premium)
• Four free calculators: True Cost, Balance Transfer, HELOC/Loan Payoff, and Minimum Payment Trap
• Import transactions automatically via Plaid (Premium) or CSV export from your bank (free)
• Monthly AI spending and goal review email (Premium)
• Card sharing with your partner — included in one Premium subscription

WHO IT'S FOR

Pay Down is for people carrying a credit card balance who want an honest picture of what it's actually costing them — not budgeters tracking categories, not investors. People with debt who want to understand it and see a clear path out.

If you pay in full every month, Pay Down will still work. It was built for the person who doesn't.

FREE VS. PREMIUM

Unlimited cards, all true-cost calculations, debt-free projections, payoff strategy modeling, and all four calculators are completely free.

Premium unlocks three things: the Insights tab for deeper spending analysis (true cost multiplier, category breakdowns, APR trends), Plaid automatic bank sync so transactions pull directly from your bank, and monthly AI spending review emails. Card sharing with a partner is included in one Premium subscription.

GET STARTED

Add your first card, import a few transactions, and see what your balance is actually costing you. The numbers might be uncomfortable. That's the point.

Standard Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/


## Version history (last 3 releases)

### 1.1.5 — 2026-08-16

• Smarter payment reminders: due dates now follow your card's real statement schedule, and reminders are skipped when you've already paid the cycle in full
• Consistent payoff projections: your projected debt-free date now matches everywhere in the app
• Clearer payoff plan details and an improved demo experience
• Support for Android 16
• Bug fixes and more accurate interest calculations

### 1.1.4 — 2026-07-20

English (U.S.):
• Premium now activates instantly after subscribing
• Stay signed in: brief network hiccups no longer log you out
• Newly linked bank cards now show their sync status right away
• Fixed an issue that could create duplicate cards when adding one
• Smoother navigation and general reliability improvements

Spanish (Mexico):
• Premium se activa al instante después de suscribirte
• Mantén tu sesión: las fallas breves de red ya no cierran tu sesión
• Las tarjetas bancarias recién vinculadas muestran su estado de sincronización de inmediato
• Se corrigió un problema que podía crear tarjetas duplicadas al agregar una
• Navegación más fluida y mejoras generales de confiabilidad

French (France):
• Premium s'active désormais instantanément après l'abonnement
• Restez connecté : les brèves coupures réseau ne vous déconnectent plus
• Les cartes bancaires nouvellement liées affichent immédiatement leur état de synchronisation
• Correction d'un problème pouvant créer des cartes en double lors de l'ajout
• Navigation plus fluide et fiabilité améliorée

### 1.1.3 — 2026-06-16

No release notes.

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## Related topics

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

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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 2026-08-22.*