# Payoff Dots: Debt Tracker — Watch every balance fall

> Visual debt payoff tracker with progress visualization and discreet widgets. (iPhone/iPad app by Waypoint Labs LLC UT.)

- Source: https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750 (this page in markdown: same URL + `.md`)
- Developer: [Waypoint Labs LLC UT](https://appshunter.io/developer/6799600752)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 4 MB
- Languages: American English
- Released: 2026-08-21
- Data updated: 2026-09-25
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750/reviews.md

## What is Payoff Dots?

Payoff Dots makes paying down debt feel visible and achievable.

Add your balances, record updates, and watch each payment fill your payoff dots. The dashboard brings every active debt together while individual pages show exactly how far each balance has moved.

FEATURES

• Visual payoff dots for every debt
• $100 dots for balances up to $25,000 and $1,000 dots above that
• Overall and individual progress tracking
• Quick balance check-ins
• Archive completed or paused debts without deleting them
• Discreet widgets that never show dollar amounts
• Small, medium, and large widget layouts
• Light and dark appearances designed for iPhone and iPad
• Private iCloud sync across iPhone and iPad
• No separate Payoff Dots account required

FREE AND PRO

The free version supports up to two active debts. Payoff Dots Pro is a one-time purchase that unlocks unlimited active debts. There is no subscription and no advertising.

PRIVACY

Your debt information is stored on your devices and in your private iCloud database for syncing. Waypoint Labs LLC does not operate a separate debt-data server. Payoff Dots does not include advertising, third-party analytics, or tracking.

Payoff Dots is a tracking tool and does not provide financial, lending, tax, or investment advice.

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Payoff Dots Pro | $9.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750/reviews.md

### 5/5 — Super Motivating!

*2026-08-22*

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.

## Frequently asked questions about Payoff Dots

### 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.

## Version history (last 3 releases)

### 1.2 — 2026-09-14

• 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.

### 1.1 — 2026-09-05

Payoff Dots 1.1 adds more ways to stay motivated and make progress:

• Create an optional emergency fund goal before focusing on debt payoff.
• Schedule separate check-in and payment due-date reminders around your payday schedule.
• Track minimum payments and see estimated interest savings when a balance update beats the minimum.
• Arrange debts with custom sorting, snowball, avalanche, balance, or name order.
• Use Pause & Pay from supported widgets and shortcuts when you decide to skip a purchase.
• Enjoy expanded widget options, green completed-debt indicators, and more satisfying progress celebrations.
• Includes usability improvements and fixes throughout the app.

### 1.0 — 2026-08-21

No release notes.

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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 2026-09-25.*