# Pay Off Debt: Debt Calculator — Lump Sum & Prepay Calculator > Debt payoff calculator for faster loan repayment and interest savings. (iPhone/iPad app by Arriving In High Heels.) - Source: https://appshunter.io/ios/app/pay-off-debt-debt-calculator/id1512498841 (this page in markdown: same URL + `.md`) - Developer: [Arriving In High Heels](https://appshunter.io/developer/846983352) - Category: Finance - Price: Free with in-app purchases - Rating: 3.00/5 from 7 App Store ratings · 12 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 36 MB - Languages: American English - Released: 2020-05-12 - Data updated: 2026-08-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/pay-off-debt-debt-calculator/id1512498841/reviews.md ## What is Pay Off Debt? Pay Off Debt is a simple calculator to help you pay off your debt faster. If you have extra cash or if you are able to add money to your debt repayment, this app is for you. Simply input your current outstanding balance, interest rate and your payment amount, and see how much interest you are paying on your loans. Input any extra amount that you can put either as a one time payment or recurring payments and see where putting your money makes sense in order to save on interest or duration of your debt repayment. This will help pay off your loans faster. No need for complicated amortization schedules, financial advisors or guessing. Know which debt to repay first and see yourself living debt free. Disclaimer: Pay Off Debt and its calculations are designed to be informational and educational tools only, and when used alone, do not constitute financial advice. We strongly recommend that you seek the advice of your financial service providers before making any loan repayments. The results presented by this calculations are hypothetical and may not reflect the actual interest or duration saved or to be paid. Arriving In High Heels Corporation and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this app. Arriving In High Heels Corporation is not responsible for any human or mechanical errors or omissions. ## Key features - Calculate interest paid on loans - Simulate extra one-time payments - Simulate recurring extra payments - Identify optimal debt repayment strategies - Visualize debt-free future ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Remove Ads | $0.99 | one-time | ## Recent user reviews (10 of 12) All indexed reviews: https://appshunter.io/ios/app/pay-off-debt-debt-calculator/id1512498841/reviews.md ### 3/5 — Ok Resource (meh) *2025-05-19, version 1.0.9* This app has the potential to be a great app. I don’t want to have to go read about what I need to do. It would be nice if there would be a quick tutorial on how to use the app. For instance, what is the frequency frequency of what that I pay the bill or that I want to pay the bill or How often they charge interest? Daily monthly by monthly what are you asking me? Left decrease, what does that mean? Interest? These are the titles that you have but it I need more yes I know what these words mean but what do you want me to give you to answer your question so you can help me is what I wanna know. So when I put in my amount that I want to Add to the bills, you asked me to increase payments but is that by month is that all the payments increased by that amount? Is that do you give me the list of which bill to apply to for my budget? Is that why all of the bills go down by the amount? I said I want to increase it by. It’s too many questions with your app. I’m looking for an app that will help me figure out which bills to pay off and in which order. Maybe I can see different snapshots of options. Maybe you can provide me with the best payoff schedule. For instance, is tax season. I get a large refund. What is the best way for me to utilize this refund within my budget and then how can I use the money that I paid off certain bills to apply it to other bills and stack it on so the payment payments are higher. That’s what I’m looking for. For my tax refund I got $12,000 and I have three bills that total up to $12,000 but I also have four different loans that are $12,000 apiece or something like that. Maybe you can give me an idea of which route would be better to go. Do I pay off the three credit cards that total up to 12,000 or do I pick one of the loans that is 12,000 do I spread the money out and pay lumps on everything? That’s what I’m looking for something that shows me various options to pay off my bills in my budget and also provide you with the best option suggested by the app and then for the monthly maybe if I’m going to take so say I chose to use the credit cards pay those off total 12,000 that gives me an extra $450 per month that I can now use that to stack off and pay other so maybe then you can provide me with a budget that would show me if that extra 450 can now go onto another credit card or another loan and this is what my monthly bills would be like for this amount of time or how many payments I would need of that extra 450 to pay my debt off faster. I hope you understand what I’m looking for. I use talk to text without editing. This app doesn’t help me but it’s OK because I like tallied up and told me what my total ### 1/5 — Unable to change the currency. No settings!! *2024-08-14* We can’t change the currency ### 1/5 — Freezing *2024-03-13, version 1.0.9* Just bought the app and was hopeful but it freezes when I try to add extra $.🤷‍♀️ ### 5/5 — Amazing App *2023-06-28, version 1.0.8* So I absolutely love this app. I tried several and I just wanted something simple to write out my debts that I owe as I am doing the snowball method from Dave Ramsey, and this app I can easily write them all out and see them easily. I love opening it and have it quickly accessible to remind myself to stay on track and keep my goals in sight. Super easy to use and again I love the simplicity. ### 1/5 — YWJ *2023-04-11, version 1.0.8* Too basic did not give much help ### 1/5 — Don’t waste your money - glitchy *2023-01-02, version 1.0.8* I downloaded this app tonight and paid to remove adds and the app doesn’t work. I entered my debt and when I click on “reduction opportunities” it freezes. Waste of money. ### 1/5 — Payment Amounts *2022-04-28, version 1.0.8* The app requires a payment amount, but it can fluctuate with line of credit and credit cards depending on balance. I tried putting it high payment amounts and minimum amounts but it kept giving me an error. It should either let u put in that it is based on balance or skip it and calculate it based on the interest and balance. ### 1/5 — Paid to remove ads from app, next day again showing apps *2021-08-29* to remove ads from app, next day again showing apps, no support to reach put to resolve this issue too **Developer response:** Thank you for letting us know, we will investigate this issue. You can always email us at info@arrivinginhighheels.com We apologize for the issue! ### 5/5 — Love this app *2021-07-18, version 1.0.5* This app has made life so much easier on my debt and the organization of my budget, I can now see exactly how many payments I have to make to pay off my card completely and how much money I save from the interest in the process! 😊 If you are thinking about downloading, stop thinking about it and take the leap! ### 5/5 — Pretty simple app *2021-04-29, version 1.0.4* The app is pretty simple and easy to use. I note all my debts and then adjust the balances each month. **Developer response:** Thank you very much for taking the time to review our app! Hope you get out of debt soon! ## Frequently asked questions about Pay Off Debt ### How does Pay Off Debt help me pay off debt faster? Pay Off Debt allows you to input your current loan balances, interest rates, and payment amounts. By simulating extra payments, it shows you how much interest you can save and how much sooner you can become debt-free. ### What kind of extra payments can I simulate with Pay Off Debt? You can simulate both one-time lump sum payments and recurring additional payments. This helps you understand the impact of different repayment strategies on your overall debt. ### Does Pay Off Debt provide financial advice? No, Pay Off Debt is designed as an informational and educational tool only. It strongly recommends seeking advice from financial service providers before making any loan repayment decisions. ### What platforms is Pay Off Debt available on? Pay Off Debt is currently available for iPhone and iPod devices. ### How often is Pay Off Debt updated? The app was last updated on August 25, 2023, with version 1.0.9. This indicates regular maintenance and potential feature additions. ### What is the age rating for Pay Off Debt? Pay Off Debt has an age rating of 4+, making it suitable for a wide range of users. ### Does Pay Off Debt have ads? No, Pay Off Debt does not contain advertisements. ### What is the user rating for Pay Off Debt? Pay Off Debt has a rating of 3.0 stars from 7 ratings, suggesting a mixed but generally positive user reception. ## Version history (last 5 releases) ### 1.0.9 — 2023-08-25 Bug Fixes ### 1.0.8 — 2021-11-24 Bug Fixes ### 1.0.7 — 2021-11-01 Bug Fixes ### 1.0.6 — 2021-08-21 Bug Fixes and rebranding the app as 'Pay Off Debt' ### 1.0.5 — 2021-04-30 - export your debts to a CSV file. ## Apps similar to Pay Off Debt | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance | | [Debt Snowball - Payoff Planner](https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759) | 4.7 (1,321) | Free | Finance | | [Financial Calculator: Percent](https://appshunter.io/ios/app/financial-calculator-percent/id957134762) | 4.7 (14,664) | Free | Finance | | [Loan Book & Debt Manager](https://appshunter.io/ios/app/loan-book-and-debt-manager/id1244075045) | 4.4 (55) | Free | Finance | | [Loan Calculator - Loan2Me](https://appshunter.io/ios/app/loan-calculator-loan2me/id1442980816) | 4.8 (8,234) | Free | Finance | | [Loan Calculator - Debt Planner](https://appshunter.io/ios/app/loan-calculator-debt-planner/id1059124601) | 4.6 (22,434) | Free | Finance | ## More apps by Arriving In High Heels - [Visited: Travel Tracker & Map](https://appshunter.io/ios/app/visited-travel-tracker-and-map/id846983349) - [My Exchange](https://appshunter.io/ios/app/my-exchange/id893028450) - [XWalk: Nordic Walking Tracker](https://appshunter.io/ios/app/xwalk-nordic-walking-tracker/id1531591856) - [The Fertility App – IVF & IUI](https://appshunter.io/ios/app/the-fertility-app-ivf-and-iui/id1603304362) - [Honeycomb Hexagon Math Puzzle](https://appshunter.io/ios/app/honeycomb-hexagon-math-puzzle/id6753123203) All apps by Arriving In High Heels: https://appshunter.io/developer/846983352 ## Related topics [brian kayfitz app development](https://appshunter.io/ios/topics/brian-kayfitz-app-development) · [debt payoff calculator](https://appshunter.io/ios/topics/debt-payoff-calculator) · [pay off debt faster](https://appshunter.io/ios/topics/pay-off-debt-faster) --- *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 2026-08-29.*