# Payoff Genius - Debt Planner — Debt Snowball & Avalanche Plan

> Intelligent debt tracking and payoff planning app with smart recommendations. (iPhone/iPad app by Payoff Genius, LLC..)

- Source: https://appshunter.io/ios/app/payoff-genius-debt-planner/id6741432114 (this page in markdown: same URL + `.md`)
- Developer: [Payoff Genius, LLC.](https://appshunter.io/developer/1794155045)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 4.20/5 from 5 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 64 MB
- Languages: English
- Released: 2025-03-06
- Data updated: 2026-06-13
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/payoff-genius-debt-planner/id6741432114/reviews.md

## What is Payoff Genius?

Get out of debt faster with intelligent planning from Payoff Genius. We can help you track all your debt in one place and create a data-driven plan to help you pay it off the smart way.  

Payoff Genius users love: 

Smart Recommendations – Let us do the math on how you can get out of debt faster and pay less interest. 

Effortless Debt Tracking – Your credit cards, loans, and other debts are pulled in and updated automatically. 

Flexible Payoff Plans – We build a plan that works for your life and budget. Choose between debt snowball and debt avalanche strategies. 

Easy-to-Use Calculators – Interactive debt payoff planner and educational content keep you informed and in control. Run scenarios to help you understand your options. 
 

“…my favorite debt tracker I have used because it helped me understand how to prioritize my payments so there’s less interest.” 

“It’s better than a debt snowball calculator because there’s more detail and my debts are updated automatically by the app. I’m more motivated to keep going!” 

 When it comes to tackling debt, the sooner you start, the better. Don’t spend another day feeling out-of-control. Take the first step toward financial freedom by downloading Payoff Genius now. 

Note: Payoff Genius is a debt payoff planner, not a financial advisor or lender. Our tools help you manage and optimize your debt payoff strategy. 

www.apple.com/legal/internet-services/itunes/dev/stdeula/  

www.payoffgenius.com/eula

## Key features

- Intelligent debt payoff planning
- Automatic debt tracking
- Debt snowball and avalanche strategies
- Smart interest-saving recommendations
- Interactive payoff calculators
- Educational content

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Payoff Genius Pro | $9.99 | per month |
| Payoff Genius Pro | $89.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/payoff-genius-debt-planner/id6741432114/reviews.md

### 5/5 — Finally got organized

*2025-11-18*

Payoff Genius was super easy to use. I put in my info and for the first time saw all of my debts in one place. The videos are short and give you the basics of setting up a plan. I’m only a few months in but I’m already making great progress!

### 1/5 — Stupidest app in the world

*2025-08-29*

I accidentally deleted one of the debt accounts and now I have to manually add it. Do not use this app. Switching to something else.

**Developer response:** Thank you for taking the time to leave us your feedback. We deeply apologize that you had issues with restoring a deleted account. Based on your feedback, we are making the undelete button more visible in version 4.1 of our app. From the debts screen just click “add account” and your previously deleted accounts will be there. If you have any other issues or feedback, please reach out to support@payoffgenius.com. We’re always happy to help.

## Frequently asked questions about Payoff Genius

### How does Payoff Genius help users pay off debt faster?

Payoff Genius provides smart recommendations and data-driven plans to optimize your payment strategy, helping you pay less interest and accelerate your debt payoff. Users can choose between debt snowball and debt avalanche methods.

### What types of debts can be tracked in Payoff Genius?

The app allows for effortless tracking of various debts, including credit cards, loans, and other financial obligations. Debts are pulled in and updated automatically for convenience.

### Does Payoff Genius offer different payoff strategies?

Yes, Payoff Genius offers flexible payoff plans. Users can choose between the debt snowball strategy, which focuses on paying off smallest debts first, or the debt avalanche strategy, which prioritizes debts with the highest interest rates.

### Is Payoff Genius a financial advisor?

No, Payoff Genius is a debt payoff planner and not a financial advisor or lender. Its tools are designed to help users manage and optimize their debt payoff strategy effectively.

### What are the subscription options for Payoff Genius?

Payoff Genius offers a Pro subscription at $9.99 per month or $89.99 per year. This likely unlocks advanced features or removes limitations present in the free version.

### Does Payoff Genius have ads?

Yes, Payoff Genius contains advertisements. This is common for free applications that offer in-app purchases to support their development.

### On which devices can I use Payoff Genius?

Payoff Genius is available on iPhone and iPad devices. It is designed to be compatible with Apple's mobile ecosystem.

### How often is Payoff Genius updated?

The latest version of Payoff Genius is 6.7.1, and it was last updated on February 21, 2026. This indicates a relatively active development cycle.

## Version history (last 5 releases)

### 6.8 — 2026-04-07

Minor enhancements to your debt payoff experience.

### 6.7.1 — 2026-02-21

Minor updates and improvements

### 6.6.1 — 2026-01-16

Minor enhancements to make paying off your debts even easier.

### 6.4.13 — 2026-01-14

Brand new features to help you tackle your debt.

### 6.1 — 2025-12-05

New features and improvements

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## More apps by Payoff Genius, LLC.

- [enough. financial wellness](https://appshunter.io/ios/app/enough-financial-wellness/id6760366924)

All apps by Payoff Genius, LLC.: https://appshunter.io/developer/1794155045

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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 2026-06-13.*