# Payoff Path – Debt Tracker — Loans, cards & payoff dates

> Loans, cards & payoff dates (iPhone/iPad app by Shogo Yoshida.)

- Source: https://appshunter.io/ios/app/payoff-path-debt-tracker/id6816467747 (this page in markdown: same URL + `.md`)
- Developer: [Shogo Yoshida](https://appshunter.io/developer/1892036897)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 7 MB
- Languages: American English, French (France), German (Germany), Indonesian, Italian, Japanese, Korean, Brazilian Portuguese, Chinese (Simplified, China), European Spanish and 3 more
- Released: 2026-10-15
- Data updated: 2026-10-19

## What is Payoff Path?

Keep every loan, credit card and line of credit in one place, and find out exactly when you'll be debt-free.
Enter your monthly budget and the app simulates your payoff with daily interest calculations.

■ Home
• Total balance, progress, this month's payments, payoff date and the interest still to come, at a glance
• A checklist for this month: target, paid so far and what's left for each loan
• Balance breakdown (pie chart) and balance over time (actual and forecast)

■ Payoff simulation
• Set a total monthly payment and compare "minimums only", "highest rate first" (avalanche) and "smallest balance first" (snowball)
• When a loan is paid off, its payment automatically rolls over to the others
• Add extra in bonus months, or work back from a target date to find the monthly amount you need
• Compare with refinancing or consolidating

■ Payment history
• Record payments for several loans at once, and correct interest or balance to match your statement
• Handles additional borrowing and balance adjustments
• Reports show how your balance changed over any period, split into principal and interest

■ Payment calendar
• See due dates, payments made, overdue items and new borrowing month by month
• Due dates that fall on a weekend can move to the previous or next business day

■ Flexible terms
• Promotional (introductory) rates and rate changes
• Payments on a fixed day each month, or every 35 days
• Works with your local currency

■ Private by design
• Your data stays on your device (iCloud sync only if you turn it on)
• Face ID lock, due date reminders, home screen widget
• Backup export and restore

■ Premium (one-time purchase)
• Removes ads
• Cash flow calendar: add your salary and bills to see whether you'll have enough on each due date
• Import planned expenses into the monthly payment memo

※ Results are estimates. Check your actual interest and amounts due with your lender.
※ This app does not recommend borrowing or refinancing.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| プレミアム | $5.99 | one-time |


## Is Payoff Path safe?

Not enough ratings yet to assess Payoff Path.

## Is Payoff Path legit?

Payoff Path – Debt Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Payoff Path is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 1.3 — 2026-10-19

• The app is now available in 13 languages, with support for your local currency.
• Added a currency setting and an option for Japanese holidays.
• Minor improvements.

### 1.2 — 2026-10-10

・ホームからプレミアムの内容を確認できるようにしました。
・シェアの文にアプリのリンクが付くようになりました。
・細かな改善を行いました。

### 1.1 — 2026-10-08

・アプリ名を「返済管理 - 借金返済・完済シミュレーション」に変更しました。
・細かな改善を行いました。

### 1.0 — 2026-10-07

No release notes.

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## More apps by Shogo Yoshida

- [Supatan: Vocab with Images](https://appshunter.io/ios/app/supatan-vocab-with-images/id6761913070)
- [カロログ -CalLog-｜記録が楽しくなる本格食事管理](https://appshunter.io/ios/app/callog/id6799144346)

All apps by Shogo Yoshida: https://appshunter.io/developer/1892036897

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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 2026-10-19.*