# Payooo: Debt Payoff Planner — Snowball & Avalanche methods.

> Debt payoff planner using Snowball, Avalanche, and custom strategies. (iPhone/iPad app by HT SAAS, LLC.)

- Source: https://appshunter.io/ios/app/payooo-debt-payoff-planner/id6758865531 (this page in markdown: same URL + `.md`)
- Developer: [HT SAAS, LLC](https://appshunter.io/developer/1875384472)
- Category: Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.6 · 55 MB
- Languages: English, French, German, Italian, Japanese, Korean, Portuguese, Chinese, Spanish
- Released: 2026-03-19
- Data updated: 2026-06-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/payooo-debt-payoff-planner/id6758865531/reviews.md

## What is Payooo?

Take control of your financial future with Payooo, the ultimate Debt Payoff Planner designed to help you eliminate debt faster. Whether you are tackling credit card debt, student loans, or personal loans, Payooo provides a clear, math-based strategy to get you debt-free.

Stop feeling overwhelmed by bills. Use our Debt Tracker to visualize your journey, save thousands in interest, and shave months (or years) off your repayment timeline.

Why Choose Payooo for Debt Management?

Proven Repayment Strategies: Choose the Debt Snowball (quick wins), Debt Avalanche (interest savings), Tsunami, or a Custom plan.

Interactive Debt Calculator: See exactly how extra payments impact your payoff date and total interest saved in real-time.

Personalized Monthly Plan: Get a month-by-month payment schedule tailored to your budget and specific due dates.

Full Data Privacy: Your data stays on your device. We offer full offline support and export options (CSV/JSON).

Key Features at a Glance:

Comprehensive Debt Tracking: Manage principal, APR (interest rates), and minimum payments in one place.

Extra Payment Simulator: One-tap recording to see your "Debt-Free Date" move closer.

Strategy Comparison: Switch between methods to see which saves you the most money.

Multi-Currency Support: Manage debts in any currency with local formatting.

Milestone Visualizations: Celebrate your progress with intuitive charts and momentum trackers.

Privacy & Security: Payooo is built with privacy in mind. We do not require you to link your bank accounts. Your sensitive financial data is never stored on our servers, giving you 100% control over your information.

Disclaimer: Payooo is a debt planning and tracking tool intended for educational and organizational purposes only. It does not provide financial, legal, or tax advice. Payooo is not a lender or credit counseling service. All projections are mathematical estimates based on user input. Please consult with a certified financial professional for specific financial advice.

This App uses Apple standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Debt Snowball & Avalanche methods
- Interactive debt calculator
- Personalized monthly payment schedule
- Offline support and data export
- Multi-currency support
- Progress visualizations

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Payooo Yearly Premium | $29.99 | per year |
| Payooo Monthly Premium | $2.99 | per month |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/payooo-debt-payoff-planner/id6758865531/reviews.md

### 5/5 — Great finance tool

*2026-03-22*

Easy to keep track of any debts.

## Frequently asked questions about Payooo

### What debt payoff strategies does Payooo offer?

Payooo supports the Debt Snowball method for quick wins, the Debt Avalanche method for maximum interest savings, a Tsunami method, and custom plans. You can compare strategies to see which saves you the most money.

### How does Payooo handle user data privacy?

Payooo prioritizes privacy by keeping all your data on your device, offering full offline support. It does not require linking bank accounts, ensuring your sensitive financial information is never stored on their servers.

### Can I see the impact of extra payments with Payooo?

Yes, Payooo features an interactive debt calculator and an extra payment simulator. You can see in real-time how additional payments affect your payoff date and the total interest saved.

### Does Payooo have ads?

Yes, Payooo contains advertisements. This allows the app to be offered for free with optional in-app purchases.

### What devices does Payooo support?

Payooo is available for iPhone and iPod. It is designed for Apple devices.

### How often is Payooo updated?

The latest version of Payooo is 1.1.1, and it was last updated on May 3, 2026. This indicates a relatively active development cycle.

### What is the age rating for Payooo?

Payooo has an age rating of 17+. This is likely due to the financial nature of the app and its detailed calculations.

### Can Payooo manage debts in different currencies?

Yes, Payooo offers multi-currency support, allowing you to manage debts in any currency with local formatting. This makes it a versatile tool for international users.

## Version history (last 4 releases)

### 1.1.2 — 2026-06-23

What-If Planning is here.

Test different payoff scenarios, add extra payments or windfalls, and instantly see how your debt-free date, total interest, and payoff plan change.

This update also adds a full amortization view, expanded localization, and bug fixes and performance improvements.

### 1.1.1 — 2026-05-03

What-If Planning. Test different payoff scenarios, adjust extra payments, and instantly see how your debt-free date, total interest, and payoff plan change. Also includes bug fixes and performance improvements.

### 1.0.14 — 2026-03-24

Stay on top of your payments with our new reminders experience. This update introduces smarter upcoming and overdue payment notifications, a new Reminder Center and improved notification settings.

### 1.0.11 — 2026-03-20

No release notes.

## More apps by HT SAAS, LLC

- [Peptiva: GLP-1 Tracker](https://appshunter.io/ios/app/peptiva-glp-1-tracker/id6761620614)
- [Coleo](https://appshunter.io/ios/app/coleo/id6767901281)

All apps by HT SAAS, LLC: https://appshunter.io/developer/1875384472

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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 2026-06-28.*