# PayoffRoute — Loan & Debt Planner

> Loan & Debt Planner (iPhone/iPad app by Jin-Cong Lin.)

- Source: https://appshunter.io/ios/app/payoffroute/id6791168049 (this page in markdown: same URL + `.md`)
- Developer: [Jin-Cong Lin](https://appshunter.io/developer/1447306097)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 18 MB
- Languages: American English, Arabic, French (France), German (Germany), Italian, Japanese, Korean, European Portuguese, Chinese (Simplified, China), European Spanish and 1 more
- Released: 2026-08-12
- Data updated: 2026-08-31
- User reviews in markdown: https://appshunter.io/ios/app/payoffroute/id6791168049/reviews.md

## What is PayoffRoute?

Know who to pay next, how much is due, and whether your repayment route is still on track.

Enter only the balances, rates, minimum payments, and due dates you choose. PayoffRoute turns them into an estimated route without connecting to a bank.

PayoffRoute is built for planning:
• See the next payment and this month's route first.
• Compare your current plan, avalanche, and snowball with the same assumptions.
• Try an extra-payment scenario before applying it to future allocations.
• Record real payments and reconcile differences with lender statements.
• Optionally keep annual gross compensation history for your own reference.
• Use private iCloud sync when available, create separate recovery snapshots, or export a JSON copy you control.
• Delete current data or individual backup snapshots from clear, separate controls.
• No third-party advertising or cross-app tracking. Any recommendations for this developer's other apps are clearly labeled and never use financial data for personalization.

Free includes one plan with up to three debts. Annual Pro and Lifetime Pro unlock the same unlimited plans and debts. The annual option auto-renews until canceled; the lifetime option is a one-time purchase. Existing data always remains available to view, edit, back up, restore, export, and delete when purchase status changes. Current prices are shown and confirmed by the App Store.

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

Results are estimates based on the information and assumptions you enter. PayoffRoute does not move money, connect to banks, lend, broker loans, verify income, decide affordability, or provide investment, legal, tax, or personalized financial advice.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| PayoffRoute Pro Annual | $9.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| PayoffRoute Pro Lifetime | $14.99 | one-time |



## Version history (last 2 releases)

### 1.0.1 — 2026-08-25

This update refreshes PayoffRoute’s App Store presentation and includes stability improvements. Your features and data remain unchanged.

### 1.0 — 2026-08-12

No release notes.

## More apps by Jin-Cong Lin

- [每月預算](https://appshunter.io/ios/app/id1503496208)
- [Offer vs Stay: Job Decision](https://appshunter.io/ios/app/offer-vs-stay-job-decision/id6791298455)

All apps by Jin-Cong Lin: https://appshunter.io/developer/1447306097

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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 2026-08-31.*