# Pay Off Debt by Jackie Beck — Your best debt payoff plan

> Debt payoff planner and motivator for various debt reduction strategies. (iPhone/iPad app by Parallel Focus LLC.)

- Source: https://appshunter.io/ios/app/pay-off-debt-by-jackie-beck/id308554006 (this page in markdown: same URL + `.md`)
- Developer: [Parallel Focus LLC](https://appshunter.io/developer/308554009)
- Category: Finance, Utilities
- Price: $4.99
- Rating: 3.60/5 from 34 App Store ratings · 91 written reviews indexed
- Age rating: 4+
- Requires: iOS 9.0 · 111 MB
- Released: 2009-04-02
- Data updated: 2026-07-30
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/pay-off-debt-by-jackie-beck/id308554006/reviews.md

## What is Pay Off Debt by Jackie Beck?

Whether you want to use the debt snowball method, a debt avalanche, or pay off debt in any order at all, the award-winning app Pay Off Debt by Jackie Beck can help keep you motivated and moving to debt freedom. 

Over 53,000 users can’t be wrong.

As Susanebw said, “This app is so simple to use and very flexible. But the greatest thing is when I realized with the snowball method, I can be debt free in two years!”

If you’re tired of money fights, working for the credit cards, and stressing out over expenses, Pay Off Debt can help you knock out your debts and change your life.

You can go from uncertainty, stress, and worry to doing the things YOU want to do. Guilt free. I know, because my husband and I paid off over $147,000 and are now completely debt free. You can do the things that matter to you too.

▶ ABOUT PAY OFF DEBT:

It’s different from the others -- not just because it's been around since 2009 and reached the #1 Financial app multiple times. 

It's different because you don't JUST get the app. You also get someone who is on your side; someone who wants to see you succeed and reach the FREEDOM that awaits. I have helpful articles at JackieBeck.com, offer free email tips, and reply to your questions and comments.

I don't bombard you with ads or try to sell you loans or credit scores in the guise of helping the way some do.

▶ WHAT OTHERS SAY ABOUT THE APP:

"The greatest thing since "Total Money Make Over". I absolutely love this app! It helps me stay motivated to keep that snowball rolling! AND instead of trying to come up with the words to explain it to my husband this app did it for me. He is 100% on board with dumping debt now!" -Steph

"I just paid off my first debt thanks to this app! I swear being able to watch my % increase and my amount due decrease really helped me stick to the snowball plan. Just mailing monthly checks, and reading the statements isn’t as rewarding as this plan. Now paying off my debt feels better than shopping!" -Berryhappy

"Unique way of knowing exactly what you owe and how much is left to pay. No other app does this as smooth and perfect as this one. Lots of different features and customer service is great!" - J_019
 
▶ WITH PAY OFF DEBT YOU CAN:

• Stay motivated by seeing your planned debt-free date and visualizing your progress.

• Pay off debts using the order and method that works best for you

• Compare & contrast how long it'd take to pay off your debt with different scenarios, and find out how much of a difference even a small extra payment might make. (You can make changes at any time.)

• See exactly how far you’ve come by viewing the payment history for each debt.

• Record payments several ways. For flexibility, you can record payments that are different from the regular minimum payment and record payments frequently.

• Avoid worry. Pay Off Debt doesn’t connect to your accounts or move money around for you. Instead, you do the behaviors that will help you become debt free.

• Have confidence. Pay Off Debt shows you amortization tables and a summary of your debt as a whole, and lets you make notes. It takes it all into account: interest rates, starting & current balances, your planned monthly payment, payment recorded dates, estimated time left, and even taxes & insurance (escrow) when adding a Mortgage/HELOC type debt.

• Work together with your spouse and/or an accountability partner. (You can email your info to up to 4 emails and share your debt snowball across devices if you’re using the same Apple ID.)

• Use additional features, like choosing the currency you want, password protection, etc. See https://www.jackiebeck.com/pay-off-debt-app-info/ for the full list.

▶ DOWNLOAD PAY OFF DEBT NOW & HEAD TO FINANCIAL FREEDOM!

(If you have questions or ideas, please email me at jackie@jackiebeck.com.)

## Key features

- Debt payoff planning
- Debt snowball method
- Debt avalanche method
- Visualize progress
- Track payment history
- Flexible payment recording
- Scenario comparison

## Recent user reviews (10 of 91)

All indexed reviews: https://appshunter.io/ios/app/pay-off-debt-by-jackie-beck/id308554006/reviews.md

### 2/5 — Good app but crashes

*2024-11-29, version 3.3.5*

Like the straightforward simple app but it crashes when you try to configure the type of snowball and it does not let you scroll through payment history. Glitchy!

### 1/5 — Update Requested.

*2023-10-31, version 3.3.5*

The App is acting up… crashing when configuring the snowball under settings, not updating payments in the history, not providing a payoof date time when adding new debts… 

If it works as it’s supposed to I would rate it a five star App!! 

Please fix it!!!

### 2/5 — Needs work ... glitchy

*2023-07-17, version 3.3.5*

Really want to use this app but it stops working after entering only 2 or 3 debts...paid for this. Have to keep deleting and reloading it. I'm sure this would be great if it would work properly.

### 1/5 — Total rip off

*2022-08-09, version 3.3.5*

I would give it Zero stars if I could. Not worth 6.99

### 3/5 — Keeps crashing

*2021-06-29, version 3.3.5*

I love the app but it crashes so much.  It crashed yesterday again and it still won’t open.  Wish an update could be pushed out to fix it.  I’m about to get a different app.

### 1/5 — Updated & Now Can’t Open

*2021-01-03, version 3.3.5*

Use to be a good app.  But I updated the app on 12/31/20... & now IT WILL NOT OPEN!!!!  Not a happy camper.  Making this app worthless to me

### 4/5 — I love this app but,

*2020-07-08, version 3.3.5*

This is a great app but it has developed an issue where when I try to configure snowball the app closes down. Also when I scroll through payment history it glitches and takes me back to the top. Please fix.

### 5/5 — Paid off more than 27k with this app!

*2020-04-28, version 3.3.5*

I was MORE THAN 27 THOUSAND in debt. I was drowning. This app helped me figure out which debts to pay off first and then roll over my payments so I could pay them off faster. Felt good to add my payments each month and see the estimated time until debt freedom. I still have student loans, but my credit cards and personal loans are gone. Thank you for this app! I used this and Albert to manage my money and escape the clutches of debt.

### 1/5 — REFUNED ME!  REFUSES ORIENTATION TO HORIZONTAL ON IPAD

*2020-01-10, version 3.3.5*

IMPOSSIBLE TO FUNCTION IN HORIZONTAL MODE ON IPAD.  THIS WILL BE FIRST APP IN HISTORY TO BE REQUESTED REFUND.  SAID COMPATIBLE WITH IPAD BUT DID NOT IDENTIFY REFUSAL TO AUTO OR MANUALLY SWITCH VIEW ORIENTATION.

### 3/5 — Expected More for the $$

*2019-01-10, version 3.3.4*

This app is fine as a list of your debts and their corresponding individual amortization tables. I was hoping to have a sum of my minimum payments on all my cards and then have the ability to play around with additional funds to see how much to apply to each card to pay the least interest... you can enter additional funds but you’re on your own to determine the best place to apply them.

## Frequently asked questions about Pay Off Debt by Jackie Beck

### What does the Pay Off Debt app do?

The app helps users create and manage a debt payoff plan. It supports various methods like the debt snowball and debt avalanche, allowing users to visualize their progress towards becoming debt-free and stay motivated throughout the process.

### What are the key features of this debt payoff app?

Key features include the ability to plan debt payoff using different methods, visualize your debt-free date, compare various payoff scenarios, track payment history for each debt, and record payments flexibly. It focuses on user motivation and progress visualization.

### How much does the Pay Off Debt app cost?

Based on the provided information, the app is a paid application. It does not have in-app purchases or advertisements, indicating a one-time purchase model for access to its features.

### How does this app help users stay motivated to pay off debt?

The app keeps users motivated by allowing them to see their planned debt-free date and visualize their progress. Seeing the percentage of debt paid off and the amount due decrease can be a powerful motivator, making the payoff process more rewarding than spending.

### Does the app connect to my bank accounts?

No, the app does not connect to your bank accounts or move money around. Instead, it provides a planning and tracking tool that empowers you to manage your payments and behaviors to become debt-free.

## Version history (last 5 releases)

### 3.3.5 — 2019-09-27

Fixed issue with email feature.

### 3.3.4 — 2018-11-05

Fixed intermittent issues.

### 3.3.2 — 2018-02-26

Fixed issues with turning the snowball off and zeroing out the monthly payment after a debt is paid off.

### 3.2.10 — 2017-12-29

Fixed issue with Summary screen.

### 3.2.9 — 2017-12-21

Minor bug fixes.

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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 2026-07-30.*