# Savvy Debt Payoff Planner — Debt and Spending Tracker > Debt payoff planner with spending tracker and interest savings insights. (iPhone/iPad app by Ascend Finance LLC.) - Source: https://appshunter.io/ios/app/savvy-debt-payoff-planner/id1469847246 (this page in markdown: same URL + `.md`) - Developer: [Ascend Finance LLC](https://appshunter.io/developer/1469847245) - Category: Finance - Price: Free with in-app purchases - Rating: 3.61/5 from 23 App Store ratings · 18 written reviews indexed - Age rating: 4+ - Requires: iOS 10.0 · 23 MB - Languages: English - Released: 2019-07-18 - Data updated: 2026-06-05 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/savvy-debt-payoff-planner/id1469847246/reviews.md ## What is Savvy Debt Payoff Planner? Savvy Debt Payoff Planner is ad-free with a 100% free and paid version that puts money back in your pocket each month by sharing interest savings insights. Savvy encourages you by sharing often how much you put back in your pocket. Savvy’s budget helps compliment your debt payoff plan to understand your entire financial outlook each month. Savvy hates debt, so its goal is to get you out of debt easier, cheaper, and faster. ------------------------------------------------- HOW WE MAKE DEBT FREEDOM EASIER: 1) Debt can be stressful. Savvy debt payoff assistant is first an encouragement focused app that shares how much you are actually putting back in your pocket each month 2) Savvy tells you what you pay and how much to pay towards each of your debts each month. Once your minimums are paid, Savvy will tell you where to put the extra money. 3) Have questions? Text us 24/7. We are ready to serve you. ------------------------------------------------- HOW WE MAKE DEBT FREEDOM CHEAPER: 1) The average user may save over $2,000 by using Savvy even after the monthly fee compared to using a debt payoff planner using the Snowball method based on our recent study. How? Savvy was built using our proprietary Savvy debt payoff method. It’s not the snowball method or the avalanche method. Instead, the Savvy debt payoff method provides the psychological benefit from the Snowball method and the interest savings of Avalanche. 2) How much does Savvy cost? Savvy’s goal is to get you out of debt. We do not want to push ads or try to provide financial products you don’t need Savvy provides a free version that is ad-free as we want everyone to get out of debt. Savvy also offers a free 30-day trial followed by a subscription fee of $5.99 a month. We have to prove to you that we provide enough value before you provide a dime. ------------------------------------------------- HOW WE MAKE DEBT FREEDOM FASTER: Because we save the average user over $2,000, you get out of debt faster. Let’s shave a couple of months off of your debt freedom date together. ------------------------------------------------- COMMON QUESTIONS 1) Do you allow me to add my accounts manually or automatically? Both. Savvy is designed to serve the very busy population by allowing you to add your accounts automatically by giving read-only access to view transactions via your bank account (see security question below). If you are wary about security and/or you’d like to control the process, you can also add your accounts and your transactions manually. You are in control. You decide. 2) Let’s talk about security. How do you keep me secure with automatic account integration? Savvy protects your transaction information with read-only access and bank-level security via your financial institutions. Your data is your data, which means we never would share with third parties. ------------------------------------------------- When you download and use Savvy, you agree to Ascend's Terms of Use: https://tryascend.com/legal/terms-of-use Message and data rates apply. Mobile data is required for your financial information to refresh. Your account balances may not reflect recent transactions immediately. Ascend connects to US financial institutions only. ## Key features - Personalized debt payoff strategies - Interest savings insights - Budgeting and financial outlook - Manual and automatic account addition - 24/7 text support - Proprietary debt payoff method ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Basic Monthly Subscription | $5.99 | per month | | 6 Month Basic Subscription | $9.99 | per 6 months | | 1 Month Pro Subscription | $5.99 | per month | | 6 Month Pro Subscription | $23.99 | per 6 months | ## Recent user reviews (10 of 18) All indexed reviews: https://appshunter.io/ios/app/savvy-debt-payoff-planner/id1469847246/reviews.md ### 3/5 — Need improvement *2024-12-26* Need improvement on automatic balance update ### 1/5 — Complicated *2024-01-07* Complicated. Not easy to track ### 5/5 — Excellent *2023-10-30* I’ve tried several apps for this and until now they were all pretty much just glorified manual calculators! This all is incredible it’s easy to use and accurate! Well done team! ### 5/5 — Great app *2023-02-09* Love the combination of a zero based budget and a debt payoff planner! Very easy to use! ### 5/5 — Wonderful app while I paid down $16k debt *2022-06-22* Savvy was a very useful tool to help me pay down my debt. I love the graphics and visuals as my debt went down to $0.00! They have been extremely responsive to any issues or questions that I had in configuring my accounts. Recommended savvy to friends to help with their debt reduction. Thank-you ### 5/5 — A Budget and Snowball Debt Payoff Planner IN ONE! *2022-06-22* Savvy Debt Payoff Planner is both a budget and a debt payoff planner. It's perfect if you are a fan of Dave Ramsey and appreciate zero based budgeting and the snowball debt method. That said, they also have the Savvy Debt Method, which is a newer method they developed. Super cool. Thanks team! ### 1/5 — Can’t Use Automated Feature *2021-06-22* Signed up for the paid subscription in order to use automated account tracking, but I keep getting error messages when trying to add accounts. I’ve tried closing and reopening the app, restarting my phone, and updating iOS, all to no avail. This, obviously, renders the app useless to me. ### 5/5 — Extremely friendly and helpful Support *2021-05-29* The support team was super helpful with getting me setup and on a successful budget plan to help me pay off my debt. I’m excited about this helpful app and highly recommend for those trying to tackle some debt and understand where your money is really going! ### 5/5 — I am loving savvy so far! *2021-04-21* Savvy keeps me motivated, tells me how much money I can save compared to the Snowball Method, and helps me budget! I love how it shows me the tasks I need to complete when I log in to the app and how much debt I have remaining. Another thing that I love that Savvy does is show me what my current debt payoff date is and if it has decreased at all since starting my debt payoff journey. I am excited to see the improvements and changes that Savvy continues to make! ### 5/5 — Great app, thanks! *2021-04-21* This app is effective and easy to use. Thank you! ## Frequently asked questions about Savvy Debt Payoff Planner ### How does Savvy Debt Payoff Planner help me save money? Savvy Debt Payoff Planner uses a proprietary method that combines the psychological benefits of the Snowball method with the interest savings of the Avalanche method. The average user may save over $2,000 by using Savvy, even after the subscription fee. ### What is the cost of Savvy Debt Payoff Planner? Savvy Debt Payoff Planner offers a free version that is ad-free. A paid subscription is available for $5.99 a month, following a free 30-day trial. There are also 6-month subscription options available for $9.99 or $23.99. ### Can I add my financial accounts to Savvy Debt Payoff Planner? Yes, you can add accounts both manually and automatically. Automatic addition provides read-only access to view transactions via your bank account, while manual addition gives you full control over the process. ### How secure is Savvy Debt Payoff Planner with automatic account integration? Savvy Debt Payoff Planner protects your transaction information with read-only access and bank-level security via your financial institutions. Your data is never shared with third parties. ### What makes Savvy Debt Payoff Planner different from other debt payoff methods? Savvy Debt Payoff Planner utilizes its own unique method, which is not strictly the Snowball or Avalanche method. It aims to provide the motivational aspects of Snowball while maximizing interest savings like Avalanche. ### How often is Savvy Debt Payoff Planner updated? The latest version of Savvy Debt Payoff Planner is 1.9.32, which was last updated on November 25, 2021. This indicates a history of updates, though the frequency is not explicitly stated. ### What devices does Savvy Debt Payoff Planner support? Savvy Debt Payoff Planner is available for iPhone and iPod. It is rated for ages 4 and up. ### What is the user sentiment for Savvy Debt Payoff Planner? Savvy Debt Payoff Planner has a rating of 3.6 stars from 23 ratings. This suggests a mixed to positive user sentiment, with room for improvement. ## Version history (last 5 releases) ### 1.9.32 — 2021-11-25 New app features and fixes! ### 1.9.31 — 2021-11-23 App features and fixes! ### 1.9.29 — 2021-11-04 App fixes and new features! ### 1.9.28 — 2021-10-30 New app features and fixes. ### 1.9.27 — 2021-07-23 New features and bug fixes! ## Apps similar to Savvy Debt Payoff Planner | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Fix](https://appshunter.io/ios/app/debt-fix/id1638594024) | 4.0 (11) | Free | Finance | | [Debt Payoff Planner - Monnelia](https://appshunter.io/ios/app/debt-payoff-planner-monnelia/id6478008842) | 4.4 (11) | Free | Finance | | [Debt Guide - Payoff Planner](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892) | 4.8 (35) | Free | Finance | | [Pay Off Debt: Debt Calculator](https://appshunter.io/ios/app/pay-off-debt-debt-calculator/id1512498841) | 3.0 (7) | Free | Finance | | [Debts Monitor](https://appshunter.io/ios/app/debts-monitor/id639926542) | 3.6 (50) | Free | Finance | | [AlmostZero - Debt Tracking App](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024) | 4.9 (65) | Free | Finance | ## Related topics [savvy debt payoff planner](https://appshunter.io/ios/topics/savvy-debt-payoff-planner) --- *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 2026-06-05.*