# PayoffPath: Debt Planner — Snowball & Avalanche Plans

> Snowball & Avalanche Plans (iPhone/iPad app by 如飞 苏.)

- Source: https://appshunter.io/ios/app/payoffpath-debt-planner/id6823635580 (this page in markdown: same URL + `.md`)
- Developer: [如飞 苏](https://appshunter.io/developer/1890421589)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 17 MB
- Languages: American English, French (France), German (Germany), Japanese, Brazilian Portuguese, Chinese (Simplified, China), European Spanish
- Released: 2026-10-19
- Data updated: 2026-11-13

## What is PayoffPath?

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/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| PayoffPath Pro Yearly | $4.99 | per month |
| PayoffPath Pro Yearly | $29.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| PayoffPath Pro Lifetime | $19.99 | one-time |


## Is PayoffPath safe?

Not enough ratings yet to assess PayoffPath.

## Is PayoffPath legit?

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


## Version history (last 5 releases)

### 1.3.2 — 2026-11-01

• Fixed an issue that could cause PayoffPath to freeze or stop responding when switching between Home, Debts, Plan, Track, and More.
• Improved navigation speed and stability, including when exploring the app before adding any debts.
• Reduced unnecessary background refreshes and improved iCloud status handling.

### 1.3.1 — 2026-10-27

• Get to your payoff plan faster with a simplified single-page onboarding.
• Review four clear Pro benefits in a cleaner paywall.
• Updated App Store descriptions, keywords, and screenshot captions.
• Privacy and release configuration improvements.

### 1.3 — 2026-10-26

• Snowball and Avalanche are now both free, including full strategy comparison.
• Pro is now a $19.99 one-time purchase. No subscription or recurring charges.
• Existing Pro subscribers keep access, and Restore Purchases remains available.
• Updated the plan, upgrade, privacy, and billing screens for a clearer experience.

### 1.2 — 2026-10-22

• New: in-app rating prompt on your first few payments, plus a Rate button in Settings
• Fixed: chart segment buttons truncated in non-English languages
• Fixed: tap "Target date, leftover & order" at the bottom — tools section now auto-scrolls into view
• Fixed: iCloud restore no longer hangs on slow networks
• Improved: reminder rescheduling after debt edits is now instant
• Plus a handful of polish fixes throughout

### 1.1 — 2026-10-21

PayoffPath Pro is sharper.

• Hybrid payoff strategy (cash-flow first)
• Balance transfer calculator — see if a promo card is worth the fee
• Consolidation calculator — one loan vs your current plan
• Share your plan with a partner (text or PDF)
• Planner tools: What-if Extra, target date, leftover → Extra, this-month focus

Free: up to 3 debts + Snowball. Upgrade when you’re ready to go faster.

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All apps by 如飞 苏: https://appshunter.io/developer/1890421589

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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 2026-11-13.*