Payoff Planner: Debt Tracker
Snowball Plan by Paycheck
About
This app helps you create a personalized debt payoff plan based on your income and expenses. It calculates how much extra you can safely allocate to debt from each paycheck and guides you on which debt to tackle first for faster debt freedom.
What's New in Payoff Planner
1.4.0
November 5, 2026
• 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
MoreSubscriptions & In-App Purchases
$4.99
Payoff Planner Pro
Unlock all Pro features. One-time purchase.
Developer apps
FAQ
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.
