# Planara: Debt Payoff Planner — Plan money. Pay off faster. > Financial planning app for proactive debt payoff and future money management. (iPhone/iPad app by CHARLES JACK MILLER.) - Source: https://appshunter.io/ios/app/planara-debt-payoff-planner/id6758675954 (this page in markdown: same URL + `.md`) - Developer: [CHARLES JACK MILLER](https://appshunter.io/developer/1874355131) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 4 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 69 MB - Languages: English - Released: 2026-03-18 - Data updated: 2026-06-28 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/planara-debt-payoff-planner/id6758675954/reviews.md ## What is Planara? Most budgeting apps tell you what you already did. Planara tells you what to do next. Stop guessing where your money should go. Start making a plan that gets you ahead faster. What Planara does: Planara helps you: • Build a clear plan for every paycheck • Pay off debt faster with snowball or avalanche • Stay on top of bills without the stress • See exactly how your money moves forward Why Planara is different: Most apps track the past. Planara focuses on your future. Instead of showing where your money went, Planara shows you where it should go next. Features: • Paycheck planning system • Debt payoff strategies (snowball and avalanche) • Bill and expense tracking • Savings goal planning • Household sharing Take control of your money today. Download Planara and start moving forward. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Paycheck planning system - Debt payoff strategies (snowball/avalanche) - Bill and expense tracking - Savings goal planning - Household sharing ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Planara Pro 6 months | $29.99 | per 6 months | | Planara Pro Annual | $49.99 | per year | | Planara Pro Monthly | $5.99 | per month | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/planara-debt-payoff-planner/id6758675954/reviews.md ### 5/5 — Great! *2026-06-08* The only budget planner based on paycheck and also debt planner that works for me after trying a lot of financial apps **Developer response:** Thank you for your kind words! Knowing that Planara is helping you plan your paychecks and tackle debt more effectively than other apps means a lot to us. We’re constantly working to make the app even better, and feedback like yours keeps us motivated. Thanks for being part of the Planara community! ## Frequently asked questions about Planara ### What is Planara's primary function? Planara focuses on guiding your future spending and debt payoff, unlike budgeting apps that primarily track past expenses. It helps you build a clear plan for each paycheck to get ahead faster. ### What debt payoff strategies does Planara support? Planara supports both the snowball and avalanche debt payoff methods. These strategies help you systematically reduce your outstanding debts. ### Can I track bills and expenses with Planara? Yes, Planara includes features for bill and expense tracking. This helps you stay on top of your financial obligations without added stress. ### Does Planara offer a free trial for its Pro version? Yes, Planara Pro offers a 7-day free trial for all its subscription plans: monthly, 6-month, and annual. This allows you to explore premium features before committing. ### What are the subscription costs for Planara Pro? Planara Pro is available for $5.99 per month, $29.99 for 6 months, or $49.99 annually. All plans include a 7-day free trial. ### Is Planara available on multiple devices? Currently, Planara is supported on iPhone and iPod devices. Future updates may expand compatibility to other platforms. ### How often is Planara updated? The latest version of Planara, 2.2.0, was released on June 7, 2026. Updates are released periodically to improve functionality and add new features. ### What is the age rating for Planara? Planara has an age rating of 4+. This indicates it is suitable for a wide range of users, including younger individuals learning about finance. ## Version history (last 5 releases) ### 2.2.0 — 2026-06-07 This is our biggest planning update yet. • Smarter payday plans — a rebuilt planning engine maps every bill, minimum payment, and goal to the right paycheck, and keeps them on time even when things are tight. • Debt, your way — choose avalanche or snowball, and extra money is automatically routed to the right account to pay balances down faster. • Your buffer comes first — everyday spending money is protected before anything else, so a plan never leaves you short. • Accurate to your real balance — your current cash is handled correctly, so your plan reflects what you actually have. • Faster, more reliable updates whenever you confirm a payday or edit a bill. ### 2.1.1 — 2026-05-28 - Required package updates. ### 2.1.0 — 2026-05-19 - Smarter payday math, totals now reconcile to your income, and paid items no longer skew your extras cascade. - Accurate minimums for 0% intro APR cards. - Smoother Strategy drawer with clearer feedback when regenerating your plan. - Improved crash reporting and error handling for a more stable experience. - Behind-the-scenes fixes for subscriptions and app stability. ### 2.0.1 — 2026-05-01 - Adding OTA updates to reduce user required updates - Removing some instances of caching as some regenerations would hold on to old data once moved to new paydays ### 1.1.3 — 2026-03-26 Dashboard • Fixes a bug that would not allow you to mark credit accounts paid from the overdue section. • Better UX/UI for alerts. Now placed at the top in a dropdown. ## Related topics [bill millers](https://appshunter.io/ios/topics/bill-millers) --- *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.*