# PayPlanr: Debt Payoff Planner — Balance Transfer Calculator > Balance Transfer Calculator (iPhone/iPad app by PayPlanr, Inc..) - Source: https://appshunter.io/ios/app/payplanr-debt-payoff-planner/id6761577630 (this page in markdown: same URL + `.md`) - Developer: [PayPlanr, Inc.](https://appshunter.io/developer/1890312813) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 25 MB - Languages: American English - Released: 2026-07-08 - Data updated: 2026-08-16 - User reviews in markdown: https://appshunter.io/ios/app/payplanr-debt-payoff-planner/id6761577630/reviews.md ## What is PayPlanr? Most debt calculators treat each credit card as one balance with one rate. Your cards aren't that simple, and neither is PayPlanr. See your real debt-free date and exactly what a balance transfer could save you. PayPlanr tracks what other apps ignore: your promotional rates, when they expire, and how that changes what you really owe. The result is a payoff plan built on your actual numbers, and balance-transfer recommendations ranked by the savings you'll really get. WHAT YOU CAN DO • See your true debt-free date and total interest across every card • Get balance-transfer offers ranked by the real savings you'll actually get • Compare snowball and avalanche payoff methods, with math that reflects how your cards are actually billed, not a single blended-rate guess • Track 0% promotional windows before they expire and cost you • Watch your progress with a clear debt projection chart • See your payoff progress at a glance with a home-screen widget • Add cards manually for free, sync your Apple Card free (on-device, no bank login), or connect a bank with Plaid (Plus) WHY PAYPLANR IS DIFFERENT Card-level calculators can be far off on interest and balance-transfer estimates because they ignore promotional rates and how payments are actually applied across your balances. PayPlanr's math reflects how your cards are actually billed, so the savings number you see is one you can trust. FREE, PLUS & MAX Everything is free: up to 25 cards, 10 payoff plans, the full progress dashboard, balance-transfer savings, payment reminders, and free Apple Card sync. The only paid feature is automatic bank balance sync. PayPlanr Plus ($1.99/month) syncs up to 3 bank balances for you; PayPlanr Max ($6.99/month) syncs up to 10. No ads. We don't sell your data. Just a clear, accurate path to debt-free. Start your plan today and see how much a smarter payoff could save you. Learn more at payplanr.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.iubenda.com/privacy-policy/41394853 PayPlanr provides educational estimates and planning tools, not financial, legal, or tax advice. Balance-transfer savings are estimates based on the information you enter and may differ from actual results. Approval for any credit product is determined by the issuer. ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | PayPlanr Plus Monthly | $1.99 | per month | | PayPlanr Max | $6.99 | per month | ## Version history (last 5 releases) ### 1.2.1 — 2026-08-15 A maintenance release. Mostly things that should have worked already. Setup checklist: tapping a step now opens it, and the checklist recognizes cards you have already added instead of asking you to add your first one again. Plan budgets: when the app suggests a minimum monthly payment, that amount is now always one it will accept. Before, it could suggest a number and then tell you it was not enough. Bank sync: if your plan does not include automatic bank sync, pulling to refresh now tells you so instead of quietly doing nothing. Tell us what you'd like to see next at payplanr.com. ### 1.2.0 — 2026-08-05 Everything is free now, except one thing. We looked at what actually costs us money to run, and it turned out to be almost nothing: only automatic bank sync carries a real per-account cost. So everything else came off the paywall. • Track up to 25 cards on the free tier, up from 3 • Build up to 10 payoff plans, up from 1 • The full progress dashboard and debt projection chart are now free for everyone Nothing was taken away, and nothing you already had costs more. If you subscribe to Plus or Max, your automatic bank sync works exactly as before. Tell us what you'd like to see next at payplanr.com. ### 1.1.1 — 2026-07-29 This update fixes several issues with card syncing and payoff calculations. - Connecting a bank no longer creates duplicate cards. If you already have duplicates, PayPlanr will offer to merge them into one card per account. - Corrected minimum payments on cards with intro or balance transfer rates, including after a promotional rate expires. - Bank connections that appeared stuck or unsynced can now be restored. - Unused bank connections are cleaned up automatically. - Fixed a budget warning that appeared incorrectly in Demo Mode. - Stability and accuracy improvements. ### 1.1 — 2026-07-21 Apple Card sync is here. Connect your Apple Card and PayPlanr keeps its balance and APR up to date automatically, read securely from Apple Wallet right on your iPhone. No bank login, and your financial data never leaves your device. Also in this update: - Clearer add-a-card flow and sync status on your plan - Smoother unlocking with Face ID or your passcode - Balance-transfer offer and calculation fixes ### 1.0 — 2026-07-08 No release notes. ## Apps similar to PayPlanr | App | Rating | Price | Category | | --- | --- | --- | --- | | [SRI Federal Credit Union, CA](https://appshunter.io/ios/app/sri-federal-credit-union-ca/id6745822059) | — | Free | Finance | | [Qapital: The Money Saving App](https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669) | 4.8 (85,804) | Free | Finance | | [NYMCU Mobile Banking](https://appshunter.io/ios/app/nymcu-mobile-banking/id479899913) | 4.8 (120,696) | Free | Finance | | [Clerkie Payoff Debt Bills Fees](https://appshunter.io/ios/app/clerkie-payoff-debt-bills-fees/id1132917036) | 4.8 (2,844) | Free | Finance | | [Amalgamated Mobile Banking](https://appshunter.io/ios/app/amalgamated-mobile-banking/id934433257) | 4.7 (2,552) | Free | Finance | | [Lili - Business Banking](https://appshunter.io/ios/app/lili-business-banking/id1447800744) | 4.6 (6,948) | Free | Finance | --- *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 2026-08-16.*