# PayOffly: Debt Payoff Planner — Loan & Credit Card Tracker

> Loan & Credit Card Tracker (iPhone/iPad app by Pavel Sakhanko.)

- Source: https://appshunter.io/ios/app/payoffly-debt-payoff-planner/id6754790967 (this page in markdown: same URL + `.md`)
- Developer: [Pavel Sakhanko](https://appshunter.io/developer/1615349705)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 27.0 · 41 MB
- Languages: American English, French (France), Polish, Brazilian Portuguese, Russian, Latin American Spanish
- Released: 2025-12-02
- Data updated: 2026-10-24

## What is PayOffly?

Know your exact debt-free date and watch it get closer with every payment you log.

PayOffly is your personal roadmap to becoming debt-free. Whether you're juggling credit cards, student loans, a mortgage, or personal debts, PayOffly brings them together in one clear plan, so you always know where your money goes and what to pay next.

Pick a proven strategy, Snowball or Avalanche, and PayOffly builds the payoff plan for you. Log a payment in seconds and see your progress update right away, with a goal ring and per-debt progress that always agree. When you pay more than a debt's remaining balance, PayOffly tells you exactly how much wasn't applied, so your numbers stay accurate.

What you get:

• Complete debt overview: all your debts in one place, with detailed breakdowns and priority rankings
• Your debt-free date: see when you'll make your last payment
• Snowball and Avalanche payoff strategies with a plan built for you
• Quick payment logging with no complicated forms
• Debt-Free Goal card with a progress ring that matches each debt's progress
• Analytics: charts, cash flow insights, and timelines that show how far you've come
• iCloud backup and restore to keep your data safe
• Your currency, shown with full currency names, and amounts formatted for your region
• Language, appearance, and notification settings you can customize
• Accessibility support, including larger text sizes and VoiceOver that announces your balance as money
• Privacy-focused: your financial data stays private

Start your plan today and take the first step toward your debt-free date.

Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Annual Premium Access | $17.99 | per year |
| Monthly Premium Access | $2.99 | per month |
| Monthly Premium Access | $4.99 | per month |
| Yearly Premium Access | $39.99 | per year |


## Is PayOffly safe?

Not enough ratings yet to assess PayOffly.

## Is PayOffly legit?

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


## Version history (last 4 releases)

### 1.0.4 — 2026-10-13

This update is all about making sure your numbers are right, and stay right.

• Restoring from an iCloud backup works again, so your debts and payments come back just as you left them.
• Paying more than a debt's remaining balance no longer loses the difference. PayOffly now tells you exactly how much wasn't applied.
• Payoff progress matches everywhere you see it: the Debt-Free Goal ring and each debt's progress now agree.
• Amounts follow your region's format, so the balance on your Home screen reads the way you expect.
• Better support for larger text sizes and VoiceOver: the Debt-Free Goal card stays readable, and your balance is announced as money.
• The currency picker now shows full currency names, not just codes.

Paying down debt with PayOffly? A quick rating really helps us grow. Thank you!

### 1.0.3 — 2026-03-05

Thanks for staying with us! In this version:
— Bug fixes and performance enhancements

We love getting feedback from all of you! Please leave your reviews so we can keep making the app even better.

### 1.0.2 — 2025-12-05

Thanks for staying with us! In this version:
— Bug fixes and performance enhancements

We love getting feedback from all of you! Please leave your reviews so we can keep making the app even better.

### 1.0.1 — 2025-12-03

No release notes.

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## More apps by Pavel Sakhanko

- [Prism Money: Budget Tracker](https://appshunter.io/ios/app/prism-money-budget-tracker/id6472780231)
- [Billory](https://appshunter.io/ios/app/billory/id6760150174)

All apps by Pavel Sakhanko: https://appshunter.io/developer/1615349705

## Related topics

[payoff track](https://appshunter.io/ios/topics/payoff-track)

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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 2026-10-24.*