# PayoffPilot — Pay off debt. Pay once. Done. > Debt payoff planner comparing Snowball and Avalanche strategies with progress tracking. (iPhone/iPad app by Raul Pena.) - Source: https://appshunter.io/ios/app/payoffpilot/id6753783449 (this page in markdown: same URL + `.md`) - Developer: [Raul Pena](https://appshunter.io/developer/1845019152) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 17.6 · 3 MB - Languages: American English - Released: 2026-08-04 - Data updated: 2026-08-13 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/payoffpilot/id6753783449/reviews.md ## What is PayoffPilot? Get out of debt with a plan you can actually see. PayoffPilot compares the two proven payoff strategies — Snowball and Avalanche — side by side with your real numbers, shows you exactly when you'll be debt-free, and tracks every payment along the way. NO SUBSCRIPTION. NO ACCOUNT. NO ADS. Your financial data never leaves your phone. Nothing is collected, nothing is shared. The optional Pro upgrade is a single one-time purchase — not another monthly bill (you're here to get rid of those). FREE FOREVER • Track unlimited debts — credit cards, auto loans, student loans, mortgages, and more • Snowball vs. Avalanche comparison with your debt-free date • See interest savings and time saved between methods • Log payments and watch balances fall • Milestones that celebrate real progress • Payment reminders so due dates never sneak up • Face ID / Touch ID app lock • Full dark mode PAYOFFPILOT PRO — PAY ONCE, KEEP IT FOREVER • Scenario Simulator: test extra monthly payments and one-time windfalls before you commit real money • PDF reports: export your full payoff plan to share or print • Complete comparison detail: per-method breakdowns, interest charts, and payoff timelines HOW IT WORKS 1. Add your debts — balance, rate, minimum payment 2. Set your monthly budget 3. Pick your strategy and follow the plan Snowball pays smallest balances first for quick psychological wins. Avalanche pays highest interest first to save the most money. PayoffPilot shows you both — with real dollar amounts — so you choose with your eyes open. Built by an independent developer. No venture capital, no data harvesting, no dark patterns. Just a tool that wants you debt-free. ## Key features - Debt payoff strategy comparison (Snowball vs. Avalanche) - Debt-free date projection - Interest savings and time saved calculation - Payment logging and balance tracking - Milestone celebrations - Payment reminders - Scenario simulator (Pro feature) ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | PayoffPilot Pro | $6.99 | one-time | ## Frequently asked questions about PayoffPilot ### How does PayoffPilot help me get out of debt? PayoffPilot compares the Snowball and Avalanche payoff strategies using your specific debt details. It shows you your projected debt-free date and tracks your progress as you make payments. ### Is PayoffPilot free to use? Yes, the core features of PayoffPilot are free forever. This includes tracking unlimited debts, comparing payoff strategies, and logging payments. There is an optional one-time purchase for advanced Pro features. ### What are the Pro features in PayoffPilot? PayoffPilot Pro, a single one-time purchase, offers a Scenario Simulator to test extra payments and windfalls, and PDF reports for sharing or printing your payoff plan. It also provides complete comparison details. ### Does PayoffPilot have ads? No, PayoffPilot is ad-free. The developer emphasizes a user-focused experience without advertisements, aligning with the goal of reducing financial burdens. ### Is my financial data safe with PayoffPilot? Yes, your financial data never leaves your phone. The app is designed with privacy in mind, collecting and sharing nothing. It also offers Face ID/Touch ID app lock for added security. ### What types of debts can I track in PayoffPilot? You can track unlimited debts, including credit cards, auto loans, student loans, mortgages, and more. Simply input the balance, interest rate, and minimum payment for each debt. ### How often is PayoffPilot updated? The app was last updated on August 12, 2026, with version 1.0.1. This indicates recent development and ongoing support from the independent developer. ### What devices does PayoffPilot support? PayoffPilot is available for iPhone and iPad, making it accessible to a wide range of iOS users looking to manage their finances. ## Version history (last 2 releases) ### 1.0.1 — 2026-08-12 Achievements now work the way they always should have. Your badges unlock from real progress — paying off your first debt, keeping a payment streak alive for three months running, crossing the halfway mark on what you owe, and saving serious money on interest. Tap any badge to see exactly how to earn it. Also in this update: • Sharing and PDF export are more reliable • Exported PDFs are now readable no matter which theme you use • Fixed a keyboard glitch when entering amounts • Cleaned up out-of-date text in Settings ### 1.0 — 2026-08-04 No release notes. --- *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 2026-08-13.*