Super Motivating!
I love the widget feature. It helps me stay focused on my goals with one of my home pages dedicated just to paying down debt.
Free
In-App Purchases
About
Visualize and track your debt repayment progress with a unique dot-filling system. Monitor multiple debts, record payments, and see your balances decrease over time. Archive debts and use discreet widgets for a clear overview.
✓Visual payoff dots for each debt
✓Progress tracking for individual and overall debts
✓Quick balance updates
✓Archive completed or paused debts
✓Discreet widgets without dollar amounts
✓Private iCloud sync
✓Light and dark appearance modes
Show original description
What's New in Payoff Dots
1.2
September 14, 2026
• Fixes a crash that could occur when opening Emergency Fund setup on certain iPhone and iOS versions. • Adds optional credit limits with utilization tracking and utilization-based sorting. • Includes stability and usability improvements.
More1
Subscriptions & In-App Purchases
$9.99
Payoff Dots Pro
Unlock unlimited active debts with one payment.
User reviews
FAQ
How does Payoff Dots help me pay down debt?
Payoff Dots visualizes your debt repayment journey by filling 'dots' with each payment. This makes progress tangible and achievable, motivating you to continue paying down your balances.
What are the limitations of the free version of Payoff Dots?
The free version of Payoff Dots supports tracking up to two active debts. For unlimited debt tracking, users can upgrade to Payoff Dots Pro.
Is Payoff Dots Pro a subscription or a one-time purchase?
Payoff Dots Pro is a one-time purchase that unlocks unlimited active debts. There is no recurring subscription required for the Pro version.
Does Payoff Dots have ads?
No, Payoff Dots does not include any advertising. The developer explicitly states that the app is free of advertisements and third-party analytics.
What devices does Payoff Dots support?
Payoff Dots is available for iPhone and iPad devices. It offers private iCloud sync across these Apple platforms.
How often is Payoff Dots updated?
The latest version of Payoff Dots is 1.2, which was last updated on September 14, 2026. This indicates a relatively recent update cycle.
Is my debt information secure with Payoff Dots?
Yes, your debt information is stored locally on your devices and synced privately via iCloud. Waypoint Labs LLC does not operate a separate debt-data server, enhancing privacy.
Can I use Payoff Dots offline?
While the app description doesn't explicitly state offline functionality, its reliance on local storage and iCloud sync suggests that core tracking features should be accessible offline. Syncing would require an internet connection.