# PayAway: Debt Payoff Planner — Debt Tracker & Credit Booster

> Debt payoff planner and credit booster using a proprietary optimization method. (iPhone/iPad app by Jack Maloney.)

- Source: https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874 (this page in markdown: same URL + `.md`)
- Developer: [Jack Maloney](https://appshunter.io/developer/1791666910)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 11 App Store ratings · 11 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 21 MB
- Languages: English
- Released: 2025-02-05
- Data updated: 2026-06-10
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874/reviews.md

## What is PayAway?

Overwhelmed by debt? Meet PayAway – your all-in-one debt payoff planner and tracker that helps you pay off debt faster and boost your credit score at the same time. Using our proprietary Credit Utilization Method, PayAway optimizes your payoff plan to improve credit health while crushing debt, outperforming traditional Snowball and Avalanche strategies in saving money and time.

Key Features:

All-in-One Debt Tracker: Organize all your debts (credit cards, student loans, auto loans, etc.) in one place. See balances, interest rates (APR), and due dates at a glance.

Personalized Payoff Plans: Choose a strategy that fits you – Debt Snowball (smallest balance first), Debt Avalanche (highest interest first), or let PayAway suggest a custom plan tailored to your goals.

Smart Debt Snowball Calculator: Instantly calculate your debt-free date and interest savings under Snowball, Avalanche, or any extra payment scenario. Adjust payments to see “what-if” scenarios and find the fastest payoff path.

Exclusive Credit Utilization Method: Boost your credit score as you pay down debt. PayAway prioritizes payments to lower your credit utilization ratio, helping raise your credit score faster than Snowball or Avalanche alone.

Budget & Extra Payments: Set a monthly debt-payoff budget so you know exactly how much extra cash can go toward debt each month. PayAway shows you how even small extra payments can save money on interest and shorten your payoff timeline.

Progress Tracking & Alerts: Stay motivated with interactive charts and milestones. Watch your debt shrink and get notified when you hit payoff milestones or when a debt is paid off.

Easy & Intuitive: Designed for Gen Z & Millennials, PayAway features a clean, uncluttered interface. No confusing finance jargon – just a simple, powerful debt payoff tool that puts you in control.

Secure & Private: All data is stored securely. No bank connections required – you’re always in control of your information.

Why Choose PayAway?
Unlike one-size-fits-all budgeting apps, PayAway is laser-focused on helping you become debt-free and build credit. It’s your companion on the journey to financial freedom. Our app doesn’t overwhelm you with features you don’t need. Instead, PayAway gives you a clear plan, tailored advice, and the motivation to stick with it. Save money, eliminate debt, and watch your credit score rise – all in one app.

Whether you’re juggling multiple credit cards or paying off student loans, PayAway has you covered. It’s perfect for:

Credit card debt – tackle high-interest balances and break the cycle.

Student loans – manage loans and pay them off sooner.

Auto or personal loans – keep track of loans and plan early payoffs.

Debt snowball fans – if you’re looking for a debt snowball calculator, PayAway provides one with an extra credit-boosting edge.

Anyone who needs a debt tracker and payoff planner – and wants to improve their credit score while doing it.

Start Your Debt-Free, Credit-Boosted Journey Today
Don’t let debt hold you back. Download PayAway now and take control of your finances. See how quickly you can pay off debt and achieve the freedom of a debt-free life with better credit. The sooner you start, the sooner you’ll celebrate being debt-free and building a brighter financial future. 

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- All-in-one debt tracker
- Personalized payoff plans (Snowball, Avalanche, Custom)
- Smart debt payoff calculator
- Exclusive credit utilization method
- Budgeting and extra payment tracking
- Progress tracking and alerts
- Secure and private data storage

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| PayAway+ | $2.49 | per month |
| PayAway+ - Yearly | $24.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Remove Ads | $1.99 | one-time |
| PayAway+ Lifetime Subscription | $49.99 | one-time |


## Recent user reviews (10 of 11)

All indexed reviews: https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874/reviews.md

### 1/5 — Awful app

*2026-02-26*

I pay a subscription and I can’t even edit my debt. And when I signed out and signed back in, all my information was erased.

### 1/5 — Crash master!!!

*2026-01-24*

When you go to budget and input your monthly income, you then hit the biweekly button as to change it to monthly it CRASHES! Time after time after time after time!! Darn! I actually had my hopes up!

### 5/5 — Awesome app

*2025-05-28*

Consolidates all of my debts in one place which makes it easy to see how much I actually owe and the progress I’m making.

### 5/5 — Best debt payoff app I’ve used

*2025-05-28*

I hate to admit that I have more debt than I’d like. This app has made it really easy to visualize my debt and the best way to get rid of it fast. Thank you!!

### 5/5 — Great Tracker

*2025-05-21*

Love the app. It’s hard to find one with accurate debt payoff plans, but this one seems pretty on the money.

### 5/5 — Helpful

*2025-02-11*

Very easy to follow and incredibly helpful!

### 5/5 — Simple and effective!

*2025-02-09*

This app is such a great resource! Super easy to use, sleek design, highly recommend!

### 5/5 — Pretty cool

*2025-02-06*

Very simple interface

### 5/5 — So easy!!

*2025-02-06*

What a great app!  So simple to use but so many features that have helped me get my expenses in line!!

### 5/5 — Simple and effective

*2025-02-06*

Easy to use!

## Frequently asked questions about PayAway

### What is PayAway's main goal?

PayAway's main goal is to help users become debt-free faster and simultaneously boost their credit score. It achieves this by optimizing debt payoff strategies and focusing on credit utilization.

### Does PayAway require bank connections?

No, PayAway does not require bank connections. All data is stored securely, and users maintain full control over their financial information.

### What payoff strategies does PayAway offer?

PayAway offers the Debt Snowball (smallest balance first) and Debt Avalanche (highest interest first) strategies, as well as a custom plan tailored to individual goals. It also features an exclusive Credit Utilization Method.

### How does PayAway help improve credit scores?

PayAway prioritizes payments to lower your credit utilization ratio, a key factor in credit scoring. This method helps raise your credit score faster than traditional Snowball or Avalanche strategies alone.

### What are the subscription options for PayAway+?

PayAway offers two subscription plans for PayAway+: a monthly option at $2.49/month and a yearly option at $24.99/year.

### Is PayAway suitable for managing different types of debt?

Yes, PayAway is designed to help manage various debts, including credit card debt, student loans, and auto or personal loans. It allows users to organize all debts in one place.

### How often is PayAway updated?

The latest version of PayAway is 1.1.4, and it was last updated on July 23, 2025. This indicates a relatively active development cycle.

### What is the age rating for PayAway?

PayAway has an age rating of 4+, making it suitable for a wide range of users. This rating suggests it contains no mature or sensitive content.

## Version history (last 5 releases)

### 1.1.4 — 2025-07-23

Simple bug fixes.

### 1.1.3 — 2025-05-06

Simple bug fixes.

### 1.1.2 — 2025-03-25

Simple bug fixes.

### 1.1.1 — 2025-03-24

Simple bug fixes.

### 1.1.0 — 2025-03-20

What's New in v1.0.0

Monthly Progress Tracker
We've completely revamped the payments section with a new monthly progress tracker. You can now:

- See your total payment goal at a glance
- Track your progress as you make payments
- Stay on track at your own pace

Improved User Experience
- Redesigned UI elements for a smoother, more intuitive experience
- Streamlined navigation and improved visual design
- Enhanced accessibility features

Ad-Free Experience
We've removed all advertisements to provide you with a cleaner, more enjoyable experience.

Thank you for your continued support! We're always working to make our app better for you.

## Apps similar to PayAway

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Payoff Planner : Tracker](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524) | 1.0 (1) | Free | Finance |
| [Payoff Genius - Debt Planner](https://appshunter.io/ios/app/payoff-genius-debt-planner/id6741432114) | 4.2 (5) | Free | Finance |
| [Debt Payoff Accelerator](https://appshunter.io/ios/app/debt-payoff-accelerator/id6740489337) | — | Free | Finance |
| [PaidOff: Debt Tracker](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566) | 5.0 (7) | Free | Finance |
| [Debt Payoff Coach](https://appshunter.io/ios/app/debt-payoff-coach/id6737850805) | 4.7 (3) | Free | Finance |
| [DebtFreeVisualizer](https://appshunter.io/ios/app/debtfreevisualizer/id6742692020) | — | Free | Finance |

## More apps by Jack Maloney

- [TraderRank](https://appshunter.io/ios/app/traderrank/id6744083592)

All apps by Jack Maloney: https://appshunter.io/developer/1791666910

## Related topics

[avalanche debt](https://appshunter.io/ios/topics/avalanche-debt)

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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 2026-06-10.*