Payoff Planner - Get Debt Free
Paycheck Budget & Debt Planner
About
This app creates a personalized debt payoff plan based on your actual pay schedule. It analyzes your income, bills, and expenses to tell you how much extra to pay towards debt and which debt to prioritize. See your estimated debt-free date with multiple payoff strategies.
What's New in Payoff Planner
1.2.0
August 14, 2026
— 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.
MoreSubscription plans
DebtPayoffSprint Pro
No ads, Score Boost, Roadmap, backup
In-App Purchases
$4.99
Payoff Planner Pro
Unlock all Pro features. One-time purchase.
Developer apps
FAQ
How does Payoff Planner create a debt payoff plan?
Payoff Planner analyzes your income, bills, minimum payments, and living expenses each pay period. It then suggests how much extra you can safely put towards debt and which debt to pay first, syncing these recommendations to your actual pay schedule.
What debt payoff strategies does Payoff Planner support?
Payoff Planner supports five strategies: Score Sprint, Avalanche, Snowball, Hybrid, and Custom. This allows users to choose the method that best suits their financial goals.
Can Payoff Planner be adjusted for unexpected expenses?
Yes, Payoff Planner is built for real life. You can adjust your plan for unexpected expenses or variable bills for a specific period without affecting future recommendations, ensuring your plan remains accurate.
What features are included in Payoff Planner Pro?
Payoff Planner Pro is a one-time purchase that removes ads and unlocks the full Score Boost feature, extended Roadmap views, progress history, and backup/export tools. It offers these features permanently without a subscription.
Does Payoff Planner require linking bank accounts?
No, Payoff Planner does not require bank linking. Your financial data stays on your device, and no account is necessary to use the app's core features.
How often is Payoff Planner updated?
The latest version of Payoff Planner is 1.1.0, which was last updated on June 9, 2026. This indicates regular maintenance and potential feature additions.
What is the age rating for Payoff Planner?
Payoff Planner has an age rating of 4+. This means it is suitable for users of all ages, with no content restrictions.
How does Payoff Planner compare to other debt apps?
Unlike many debt apps that require users to do their own math, Payoff Planner automatically calculates your debt payoff plan based on your pay schedule and preferences, doing the math for you each paycheck.