# PayDown: BNPL Tracker — BNPL & debt payoff tracker

> BNPL & debt payoff tracker (iPhone/iPad app by Andrew Carr.)

- Source: https://appshunter.io/ios/app/paydown-bnpl-tracker/id6796058260 (this page in markdown: same URL + `.md`)
- Developer: [Andrew Carr](https://appshunter.io/developer/1822090504)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 46 MB
- Languages: American English
- Released: 2026-08-12
- Data updated: 2026-09-21
- User reviews in markdown: https://appshunter.io/ios/app/paydown-bnpl-tracker/id6796058260/reviews.md

## What is PayDown?

Every payment. One schedule. A date you'll be done.

PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free.

PASTE OR SPEAK
Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever.

ONE SCHEDULE
Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it.

YOUR DEBT-FREE DATE
A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month.

PAY IT OFF FASTER
Avalanche vs. snowball, compared in actual dollars of interest saved.

SAFE TO SPEND
See what's actually yours between now and payday, after everything due clears.

CAN I AFFORD IT?
Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date.

HOME SCREEN WIDGET
Your next payment and debt-free date, on your home screen.

PRIVATE BY DESIGN
Your data lives on your phone. No bank credentials, no required account, no ads, no selling data.


## Version history (last 3 releases)

### 1.0.3 — 2026-08-24

• Credit cards: add one in a few taps — pick your bank, enter the balance and APR, and see the date it hits zero.
• More accurate balances: recording a payment now splits it into interest and principal, so what you owe matches your statement.
• Paying more than the minimum? The payoff plan shows exactly how many months it saves.

### 1.0.2 — 2026-08-14

• New: a payment schedule for every account — see each upcoming payment with a breakdown of principal vs. interest, plus a chart of your payoff.
• Fixed: account setup could misstate your remaining balance when rebuilding it from payments already made.
• Fixed: checkbox layout on smaller screens.

### 1.0.1 — 2026-08-12

No release notes.

---

*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 2026-09-21.*