# Paycheck Debt Planner — Snowball Budget & Bill Payoff > Personal finance app for debt management, bill tracking, and savings goals. (iPhone/iPad app by Jason Snyder.) - Source: https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250 (this page in markdown: same URL + `.md`) - Developer: [Jason Snyder](https://appshunter.io/developer/6773201372) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 11 MB - Languages: American English - Released: 2026-06-09 - Data updated: 2026-07-18 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250/reviews.md ## What is Paycheck Debt Planner? Payday shouldn't start with a spreadsheet. Enter your paycheck and your due dates, and Paycheck Debt Planner tells you exactly what to do this cycle: which bills are due, which debt gets the next attack, and how much cushion you'll have left. Then it turns the long grind to debt-free into something you can actually feel — streaks, milestones, and a history of every cycle you stayed on plan. Curious before you commit? Tap "Try with Sample Data" to explore a fully populated plan instantly — no accounts, no bank connections, no sign-up. **TRACK YOUR JOURNEY** Paying off debt is a marathon — this makes the progress visible every single paycheck: - **Milestones & Celebrations** — Cross 25%, 50%, 75%, or fully clear a debt and the app celebrates the moment. Free for everyone. - **On-Plan Streaks** — Stay on plan and your streak grows, cycle after cycle — the small win that keeps the big goal moving. Free. - **Pay Cycle History** *(Premium)* — Look back at your recent finished cycles and how far you've come. --- **WHAT YOU GET, FREE** - **Payday Autopilot** — On payday, confirm your whole plan — required bills, minimums, and extras — in one tap, or adjust any item. Bills on autopay handle themselves. Zero bookkeeping. - **Interest Saved** — See how much interest your extra payments save, and how much sooner you're debt-free, vs. paying minimums only. - **Paycheck Plan** — Required payments and recommended actions the moment your paycheck lands — what you must pay vs. what you should. - **Debt Payoff Engine** — Snowball or avalanche, your choice. Tracks your focus debt, projects your payoff date, and puts the extra to work. - **Timeline View** — Your full pay cycle with a running safe-cash balance, so you always see where the money goes. - **Goals** — Emergency fund and savings funded before snowball, so your safety net builds while debt shrinks. - **Swipe-to-Pay** — Mark anything paid with one swipe; swipe back to undo. - **App Lock** — Face ID, Touch ID, or passcode. Off by default, on whenever you want it. - **Local Reminders** — A paycheck-eve nudge and a heads-up before your earliest unpaid bill. Opt-in and quiet. Also free: autopay flags, Auto/Light/Dark themes, undo-on-delete, and full backup + CSV import. **PREMIUM — SMART FORECASTING** Free gets you a complete, accurate plan. Premium gets you a plan that thinks ahead: - **Smart Insights** — Adaptive recommendations based on your actual cash pressure, cushion, and payoff pace, every cycle. - **Strategy Comparison** — Snowball vs. avalanche, side-by-side, using your real balances and APRs — not a generic rule of thumb. - **What-If Simulation** — Model an extra monthly payment before committing. See the new debt-free date and exact interest saved. - **3-Month Forecast** — Projected cushion, debt balance, and risk level three cycles out. Spot pressure before it's a missed payment. - **Amortization Schedule** — A month-by-month payoff schedule for your focus debt: interest, principal, and balance to $0. - **Pay Cycle History** — Look back at your recent finished cycles, so progress is never out of sight. **Subscription Details** Premium Monthly is an auto-renewing subscription billed at $4.99/month through your Apple ID account. It renews automatically for the same price and duration unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings > [your name] > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ · Privacy Policy: https://jsnyde03.github.io/debt-planner-site/privacy.html **BUILT FOR PRIVACY** Everything stays on your device — no accounts, no cloud, no bank connections, no trackers. App Lock uses Apple's on-device Face ID/Touch ID — your biometric data never reaches us. Weekly, bi-weekly, semi-monthly, and monthly pay schedules all supported. *Paycheck Debt Planner provides budgeting and organizational tools only and does not provide financial advice.* ## Key features - Guided setup for first-time users - Bill and debt payment tracking - Debt payoff strategy selection (snowball/avalanche) - Savings and emergency fund goal tracking - Real-time plan updates with swipe-to-pay - Local data storage for privacy - App lock with biometric authentication ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Paycheck Debt Planner Premium | $4.99 | per month | ## Frequently asked questions about Paycheck Debt Planner ### How does Paycheck Debt Planner help with debt? Paycheck Debt Planner offers a Debt Payoff Engine that supports both snowball and avalanche methods. It tracks your focus debt, projects your payoff date, and recommends how to use extra cash for accelerated debt reduction. ### Is Paycheck Debt Planner free to use? Yes, the core features of Paycheck Debt Planner are free. This includes the ability to create a paycheck plan, track bills and debts, and utilize the debt payoff engine. Premium features are available via subscription. ### What are the premium features of Paycheck Debt Planner? Premium offers Smart Insights for adaptive recommendations, Strategy Comparison to analyze snowball vs. avalanche, What-If Simulations for extra payments, and a 3-Month Forecast to predict future financial pressure. ### How much does Paycheck Debt Planner Premium cost? Premium Monthly is an auto-renewing subscription billed at $4.99 per month. This price and duration renew automatically unless cancelled at least 24 hours before the current period ends. ### How do I cancel my Paycheck Debt Planner Premium subscription? You can manage or cancel your subscription anytime by going to Settings > [your name] > Subscriptions on your Apple ID account. The subscription renews automatically unless cancelled at least 24 hours in advance. ### Does Paycheck Debt Planner store my financial data online? No, Paycheck Debt Planner is built for privacy and keeps everything on your device. It does not require accounts, cloud sync, bank connections, or trackers, ensuring your financial information remains local. ### What devices does Paycheck Debt Planner support? Paycheck Debt Planner is available for iPhone, iPad, and iPod. It has an age rating of 4+ and is designed for users who want to manage their finances securely on Apple devices. ### How often is Paycheck Debt Planner updated? The latest version is 1.4, and it was last updated on June 29, 2026. This indicates a relatively recent update, suggesting ongoing development and support for the application. ## Version history (last 5 releases) ### 1.6 — 2026-07-09 **Payday Autopilot — your whole paycheck, confirmed in one tap.** On payday, Debt Planner surfaces everything this paycheck covers — your required bills and minimums *plus* your extra payments — and lets you confirm it all in a single tap. Paid a bill differently, or one didn't go through? Tap Adjust to reconcile just that item; the rest stays one-tap. Your progress stays accurate with zero bookkeeping. **Autopay, handled.** Mark a bill or debt minimum as autopay and Debt Planner stops nagging you to check it off — it shows an "Autopay" status, assumes it ran once due, and never lets a paid-by-autopay bill pile up as falsely overdue next paycheck. If an autopay didn't go through, report it at payday and it becomes a clear Overdue item you can pay off right from your plan. **See what your extra payments are worth.** A new Interest-Saved card on the Payoff tab shows exactly how much interest your plan saves you — and how much sooner you'll be debt-free — versus minimums only. Free, updated every time you run your plan. Plus: the Plan hero now leads with exactly what to pay this paycheck; more accurate payoff dates for weekly and biweekly plans; a touch-first payday check-in; demo mode follows your Light/Dark setting; and fixes so paid-off debts clear cleanly. ### 1.5 — 2026-07-04 **Track Your Journey — Milestones, Streaks & Pay Cycle History** Debt payoff is a marathon — now you can feel the progress every paycheck. Cross 25/50/75% or clear a debt and the app celebrates the moment. Keep an on-plan streak going cycle after cycle, and see exactly how much you paid down since last time. New in Premium: a month-by-month Amortization schedule for your focus debt, and Pay Cycle History to look back at your recent finished cycles. Plus a big round of layout, performance, and reliability polish across the app. ### 1.4 — 2026-06-29 **Guided Setup, Timeline Fix, and a Smarter-Looking App** New users now get a guided setup that builds their first plan in under two minutes — no blank screen, no confusion. The timeline now projects up to three pay cycles forward and shows your cash buffer as a visible line item. A new theme selector lets you choose Auto, Light, or Dark in Settings. Accidentally deleted a debt or bill? A 5-second undo toast brings it back. Plus: your projected debt-free date now appears directly in the plan summary. ### 1.3 — 2026-06-27 iPad is here. Paycheck Debt Planner is now a native universal app — built for the full screen, not just scaled up. • Sidebar navigation on iPad in portrait and landscape • Bills tab shows Expenses and Debts side-by-side • Goals and Payoff use two-column layouts in landscape • Settings and modals open as centered panels On iPhone and iPad: the app now matches your system Dark Mode setting automatically on first launch. Visual polish throughout — card depth, staggered list animations, and a more refined feel app-wide. ### 1.2 — 2026-06-27 **App Lock, Smart Reminders, Demo Mode, and a Visual Refresh** This release adds App Lock — secure the app with Face ID, Touch ID, or your device passcode, free for everyone, off by default. Also new: free local reminders for payday and upcoming bills. New "Try with Sample Data" lets you explore the full app before entering your own numbers. Also new: a refreshed icon system, haptic feedback throughout, and easier subscription management. --- *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 2026-07-18.*