PayoffPath: Debt Planner

See your debt-free date and know exactly what to pay next. PayoffPath turns your balances, APRs, and minimum payments into a clear payoff plan. Add credit cards and loans manually—no bank login or account required. BUILD YOUR PLAN • See your estimated debt-free date and total interest • Compare Snowball and Avalanche on your own numbers • Adjust your Extra budget and watch the schedule update • Compare minimums-only with your accelerated plan • Reorder debts to match your preferred strategy TRACK YOUR PROGRESS • Log minimum payments, extra payments, and one-off snowflakes • See principal and interest broken down automatically • Watch balances, progress bars, milestones, and monthly charts move forward • Use reminders for every debt’s due day • Check your next payment and debt-free countdown from Home Screen widgets FREE INCLUDES • Up to 3 active debts • Snowball and Avalanche strategies • Full strategy comparison, including estimated finish dates and interest • Payment tracking, reminders, and local progress PRO — $19.99 ONCE Upgrade when you need more advanced planning. Pay once for lifetime Pro access. No subscription or recurring charges. • Unlimited debts • Hybrid and Custom payoff strategies • What-if Extra simulator • Target-date mode: work backwards from your ideal debt-free date • Leftover-to-Extra and monthly focus tools • Balance-transfer and consolidation analyzers • Partner plan sharing • CSV and PDF exports • Premium skin collections PRIVATE BY DESIGN • No bank login and no PayoffPath account • Core planning works offline • No ads, no analytics, and no cross-app tracking • Your debt data stays on your device unless you choose iCloud backup or export and share it yourself Back up to your personal iCloud, export a JSON backup for a new phone, or keep everything only on this device. We never receive a copy of your debt data. PayoffPath Pro Lifetime is $19.99 once. Restore your purchase on another device with the same Apple ID. Payoff dates and interest are estimates based on the information you enter. PayoffPath is a planning tool, not financial advice; confirm balances, rates, and payment details with your lenders. Privacy Policy: https://hairuizhi-cn.github.io/payoffpath-privacy/ Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/