# Payoff Planner: Debt Tracker — Snowball Plan by Paycheck > Personalized debt payoff planner based on paycheck schedule and chosen strategies. (iPhone/iPad app by Chad Pickard.) - Source: https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309 (this page in markdown: same URL + `.md`) - Developer: [Chad Pickard](https://appshunter.io/developer/1831075073) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.6 · 10 MB - Languages: American English - Released: 2026-04-16 - Data updated: 2026-11-05 - Monetization: freemium ## What is Payoff Planner? Know exactly how much extra you can safely put toward debt from each paycheck, after your bills, minimums and the money you live on. Payoff Planner builds your payoff plan around your real pay schedule. Add your income, bills and debts once. Every pay period it shows the safe extra amount, which debt to pay first, and your debt-free date. HOW IT WORKS • Bills and minimums come first, then your living money and a cash cushion • What's left goes to debt, in the order you choose • Log payments as you go and watch your debt-free date move closer PAYOFF STRATEGIES Snowball, avalanche, hybrid, highest balance, debt-to-interest ratio, Score Sprint (credit score first), or your own custom order. FEATURES • Paycheck plans for weekly, every-two-weeks, twice-a-month or monthly pay • Your debt-free date, and the interest you save compared with paying only minimums • Credit cards, car loans, personal and medical debt, mortgages (with escrow) and student loans (with paused payments) • Statement-close timing to lower credit card utilization • Bill reminders and payday nudges • Amounts in your own currency • Free manual backup and restore PAYOFF PLANNER PRO (ONE-TIME PURCHASE) • Full payoff schedule: every month to debt-free, per debt, as a printable PDF • Daily automatic backups, saved to iCloud Drive when it's on • Scenario Lab for what-if changes • Full Score Boost, 6- and 12-month Roadmap, all-time progress and CSV export • No ads PRIVATE BY DESIGN No bank linking and no account. Your debts and budget stay on your iPhone, and in your own iCloud Drive if you use backups. The free version shows ads. Payoff Planner shows estimates based on what you enter. It isn't financial advice. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://chadpickard.app/privacy-policy.html#debt-payoff-sprint ## Key features - Paycheck-based payoff plans - Multiple payoff strategies (snowball, avalanche, custom) - Calculates debt-free date and interest saved - Supports various debt types (credit cards, loans, mortgages) - Bill reminders and payday nudges - Customizable currency support ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Payoff Planner Pro | $4.99 | one-time | ## Is Payoff Planner safe? Not enough ratings yet to assess Payoff Planner. ## Is Payoff Planner legit? Payoff Planner: Debt Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Payoff Planner is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about Payoff Planner ### How does Payoff Planner calculate my debt payoff? Payoff Planner uses your entered income, bills, minimum debt payments, and living expenses to determine a safe extra amount you can allocate to debt from each paycheck. It then applies your chosen payoff strategy to create a personalized plan. ### What payoff strategies does Payoff Planner offer? Payoff Planner supports several strategies including Snowball, Avalanche, Hybrid, Highest Balance, Debt-to-Interest Ratio, Score Sprint, and custom order. This allows you to choose the method that best suits your financial goals. ### Can Payoff Planner handle different types of debt? Yes, Payoff Planner supports various debt types such as credit cards, car loans, personal loans, medical debt, mortgages (including escrow), and student loans (even with paused payments). ### What are the benefits of Payoff Planner Pro? Payoff Planner Pro, a one-time purchase, offers a full monthly payoff schedule, daily automatic backups to iCloud Drive, a Scenario Lab for 'what-if' analysis, CSV export, and an ad-free experience. The free version shows ads. ### Is Payoff Planner secure and private? Yes, Payoff Planner is designed for privacy. It does not link to your bank accounts and all your debt and budget information stays on your iPhone. Optional backups can be saved to your iCloud Drive. ### How often is Payoff Planner updated? The latest version, 1.4.0, was last updated on November 5, 2026. Updates typically include new features, bug fixes, and performance improvements to enhance the user experience. ### What devices does Payoff Planner support? Payoff Planner is currently supported on iPhone. It is designed for iOS devices, allowing users to manage their debt payoff on the go. ### Does Payoff Planner offer a free trial? Payoff Planner offers a free version that allows you to create a basic debt payoff plan. The Pro features, which include advanced scheduling, backups, and scenario planning, are available through a one-time purchase. ## Version history (last 5 releases) ### 1.4.0 — 2026-11-05 • Full payoff schedule with PDF (Pro): every month to debt-free, per debt • Daily automatic backups (Pro), saved to iCloud Drive when it's on • Manual backup is now free, and backups now include your payment history • Mortgage escrow and student-loan payment pauses • Amounts in your own currency, and entering amounts works in every region • More accurate plans: weekly and every-two-weeks bills, debt-free dates more than two years out, loan rates and more ### 1.3.0 — 2026-11-02 • Quick Pay from Home — Log payments directly from your recommended debts without extra navigation • Payment impact feedback — See how much interest each payment saves you in real time • Smarter notifications — Payday reminders now tell you exactly which debt to pay and how much • Windfall impact preview — See your estimated interest savings before applying extra cash • Redesigned Debts tab — Cleaner layout with a compact summary and improved sorting • Progress dashboard improvements — Better charts, readable badges, and consistent styling • Personalized coaching notes — Swipeable tips tailored to your debt situation • Debt payoff celebration — A satisfying moment when you pay off a debt • Per-debt progress bars — Visual progress on every debt at a glance • Bug fixes and stability — Fixed calculation edge cases, improved form defaults, and smoother onboarding ### 1.2.0 — 2026-08-14 — Celebration moments: A trophy animation with confetti now plays when you pay off a debt. You earned it. — Bug fix: "Adjust This Period" adjustments now properly reset when your pay window changes. — Performance: Faster plan calculations with cached date formatting. ### 1.1.0 — 2026-06-09 New name, same mission. Payoff Planner (formerly Debt Payoff Sprint) now features a one-time Pro upgrade — no more subscriptions. Plus a redesigned onboarding experience, refreshed UI throughout, and bug fixes including improved data export and backup reliability. ### 1.0.2 — 2026-04-26 Redesigned onboarding experience — A brand new full-screen walkthrough that shows you exactly how the app works before you set up your plan. Refreshed UI across the app — Cleaner forms for adding debts and bills, updated More tab with Apple-style settings rows, and visual polish throughout. Bug fixes and improvements — Resolved issues with data export, improved stability, and various under-the-hood refinements. ## Apps similar to Payoff Planner | App | Rating | Price | Category | | --- | --- | --- | --- | | [Payoff — Debt Tracker](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093) | 5.0 (1) | Free | Finance | | [Debt Payoff Tracker & Planner](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474) | 5.0 (11) | Free | Finance | | [Debt Free –Pay Off Debt Faster](https://appshunter.io/ios/app/debt-free-pay-off-debt-faster/id407366192) | 4.2 (1,025) | Free | Finance | | [Debt Payoff Planner - Snowball](https://appshunter.io/ios/app/debt-payoff-planner-snowball/id6737506623) | 4.0 (21) | Free | Finance | | [Debt Guide - Payoff Planner](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892) | 4.8 (50) | Free | Finance | | [Debt Payoff Box: Snowball Plan](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873) | 4.5 (2,457) | Free | Finance | ## More apps by Chad Pickard - [Pocket Register: Checkbook](https://appshunter.io/ios/app/pocket-register-checkbook/id6749550108) - [Consensus Weather](https://appshunter.io/ios/app/consensus-weather/id6753608273) - [Camera to Files: Work Photos](https://appshunter.io/ios/app/camera-to-files-work-photos/id6757438740) - [Bills Due Tracker: Reminders](https://appshunter.io/ios/app/bills-due-tracker-reminders/id6758108155) - [Home Proof Inventory](https://appshunter.io/ios/app/home-proof-inventory/id6763613138) All apps by Chad Pickard: https://appshunter.io/developer/1831075073 ## Related topics [payoff planner](https://appshunter.io/ios/topics/payoff-planner) · [payoff](https://appshunter.io/ios/topics/payoff) --- *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 2026-11-05.*