# Payoff Planner - Get Debt Free — Paycheck Budget & Debt Planner

> Personalized debt payoff planner synced to your pay schedule. (iPhone/iPad app by Chad Pickard.)

- Source: https://appshunter.io/ios/app/payoff-planner-get-debt-free/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 · 9 MB
- Languages: American English
- Released: 2026-04-16
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/payoff-planner-get-debt-free/id6762224309/reviews.md

## What is Payoff Planner?

Payoff Planner builds a personalized debt payoff plan around your real pay schedule — not a generic monthly budget.
Every pay period, the app looks at your income, bills, minimum payments, and living expenses, then tells you exactly how much extra you can safely put toward debt and which debt to pay first.
See exactly when you'll be debt free. Enter your debts, pick snowball or avalanche, and watch your plan build itself. No bank linking. No subscription. Just a clear plan to get out of debt faster.
WHAT MAKES IT DIFFERENT
Most debt apps ask you to pick a strategy and do the math yourself. This one does the math for you, every paycheck.

- Syncs recommendations to your actual pay schedule
- Protects a living reserve and checking cushion before suggesting extra payments
- Supports five strategies: Score Sprint, Avalanche, Snowball, Hybrid, and Custom
- Shows a full payoff roadmap with estimated debt-free date
- Score Boost mode targets credit utilization breakpoints for faster score improvement

HOW IT WORKS

1. Add your income, bills, and debts
2. Set your living reserve — how much you need for day-to-day spending
3. Each pay period, open the app and follow your plan

The app handles the rest — calculating what's available, prioritizing debts, and adjusting recommendations as you log payments.
BUILT FOR REAL LIFE
Had an unexpected expense? Adjust your plan for this period without affecting future ones. Variable bills? Update estimates per cycle so your extra-payment number stays accurate.
PRO (ONE-TIME PURCHASE)
Unlock Pro for a single payment — no subscription, no recurring charges. Pro removes ads, unlocks full Score Boost, extended Roadmap views, progress history, and backup/export tools. Yours forever.
Your data stays on your device. No account required. No bank linking.

## Key features

- Personalized debt payoff plan
- Syncs to pay schedule
- Multiple payoff strategies (Snowball, Avalanche, etc.)
- Estimated debt-free date
- Score Boost mode
- Adjustable for unexpected expenses

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| DebtPayoffSprint Pro | $4.99 | per month |
| DebtPayoff Pro Yearly | $24.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Payoff Planner Pro | $4.99 | one-time |



## Frequently asked questions about Payoff Planner

### 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.

## Version history (last 5 releases)

### 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.

### 1.0.1 — 2026-04-21

Refreshed design across the app — Onboarding, Home, Progress, and Debts views have been polished with a cleaner, more modern look. Same features, better experience.
Smarter extra payment recommendations — Recommendations now stay stable after you log a payment. No more reshuffling or surprise amount changes.
Paid items stay visible — When you log an extra payment, the recommendation stays in your list marked as "Paid" so you can always see what you've covered this period.
Progress view now shows minimums — Your "This period" breakdown includes assumed minimum payments, giving you a more complete picture of your real payoff progress each cycle.
Bug fixes and stability improvements.

### 1.0 — 2026-04-16

No release notes.

## More apps by Chad Pickard

- [Pocket Register](https://appshunter.io/ios/app/pocket-register/id6749550108)
- [Consensus Weather](https://appshunter.io/ios/app/consensus-weather/id6753608273)
- [Camera to Files](https://appshunter.io/ios/app/camera-to-files/id6757438740)
- [Bills Due Tracker](https://appshunter.io/ios/app/bills-due-tracker/id6758108155)
- [Home Proof Inventory](https://appshunter.io/ios/app/home-proof-inventory/id6763613138)

All apps by Chad Pickard: https://appshunter.io/developer/1831075073

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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 2026-08-24.*