Debt Payoff Planner & Tracker vs PayoffPath

The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans. Today is the day to make a plan with a loan calculator and beginning paying down debt. Required inputs for calculating your debt free date are the current balance of the loan, the annual percentage rate (APR), and the minimum payment amount. That's the only requirement to getting a customized debt repayment schedule. Easy steps to becoming debt free: - Enter your loans and debts - Enter your additional monthly payment budget to pay down faster - Choose a debt payoff strategy * Dave Ramsey's Debt Snowball (lowest balance first) * Debt Avalanche (highest rate first) * Debt Snowflake (one-time extra payment toward loans) * Custom debt free payoff plan Debt Payoff Planner and Loan Calculator determines the optimum payment plan and how long it will take until you will be debt free. You tell the app how much you want to budget toward paying off your debt and we'll tell you how. We recommend the Debt Snowball strategy because we believe that paying off individual accounts faster will help you stay focused on your financial goal of debt elimination. A payoff plan is only useful if you stick with it! Your ability and willingness to pay more than the minimum payments is how you will become debt free in less time than you imagined. Budgeting your income will help you to get a regular monthly amount to pay down the debt faster. The payoff chart will show two payoff scenarios: only paying the minimum amounts, and the repayment schedule when you pay more the the minimum ever month. Creating an account enables you to have a secure backup and your information is immediately available if you start using a new device. Getting out of debt is hard, so we try to allow you to take baby steps toward this goal. We believe that becoming debt free requires an easy starting point and making sure every dollar is leveraged perfectly. The loan calculator has minimal inputs in order to make your money management easy to follow. The Debt Payoff Planner and Calculator is also used for tracking payments and updating the time-frame for becoming debt-free. Inputting payment information is as simple as typing in the amount and the date the payment was made. The goal of payment tracking is to see your progress over time and affirm that you are staying focused on your financial goals. In addition to being a debt tracker and loan calculator, we are also trying to help point out some possible next steps with articles focused on how to pay off student loans, auto loans, and credit cards faster. Also, there is some tips on credit card balance transfers as well as strategies for debt consolidation. We support eight loan categories: * Credit Cards like Capital One, Citicard, Chase, etc. * Student Loans like Navient, Sallie Mae, Great Lakes, etc. * Auto/Car Loans * Medical Loans * Mortgages like Rocket Mortgage, SoFi, etc. * Personal Loans to friends and family or other individuals * Taxes like IRS or local municipalities * Other category could be anything from a paycheck loan to a hard money loan In addition to the Debt Snowball calculator and the Debt Avalanche method, many users like to do a custom sorting of their debts. This customization is available for users that want to be their own debt manager. We allow the ability to provide a Debt Snowflake payoff as well. A Debt Snowflake is a one-time payment from things like a bonus at work, a tax refund, an extra payday, etc. This additional capability allows you to have tighter control over every dollar you are budgeting. Terms of Service: https://www.debtpayoffplanner.com/terms-of-service/ Privacy Policy: https://www.debtpayoffplanner.com/privacy-policy/ End-User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

See your debt-free date and know exactly what to pay next. PayoffPath turns your balances, APRs, and minimum payments into a clear payoff plan. Add credit cards and loans manually—no bank login or account required. BUILD YOUR PLAN • See your estimated debt-free date and total interest • Compare Snowball and Avalanche on your own numbers • Adjust your Extra budget and watch the schedule update • Compare minimums-only with your accelerated plan • Reorder debts to match your preferred strategy TRACK YOUR PROGRESS • Log minimum payments, extra payments, and one-off snowflakes • See principal and interest broken down automatically • Watch balances, progress bars, milestones, and monthly charts move forward • Use reminders for every debt’s due day • Check your next payment and debt-free countdown from Home Screen widgets FREE INCLUDES • Up to 3 active debts • Snowball and Avalanche strategies • Full strategy comparison, including estimated finish dates and interest • Payment tracking, reminders, and local progress PRO — $19.99 ONCE Upgrade when you need more advanced planning. Pay once for lifetime Pro access. No subscription or recurring charges. • Unlimited debts • Hybrid and Custom payoff strategies • What-if Extra simulator • Target-date mode: work backwards from your ideal debt-free date • Leftover-to-Extra and monthly focus tools • Balance-transfer and consolidation analyzers • Partner plan sharing • CSV and PDF exports • Premium skin collections PRIVATE BY DESIGN • No bank login and no PayoffPath account • Core planning works offline • No ads, no analytics, and no cross-app tracking • Your debt data stays on your device unless you choose iCloud backup or export and share it yourself Back up to your personal iCloud, export a JSON backup for a new phone, or keep everything only on this device. We never receive a copy of your debt data. PayoffPath Pro Lifetime is $19.99 once. Restore your purchase on another device with the same Apple ID. Payoff dates and interest are estimates based on the information you enter. PayoffPath is a planning tool, not financial advice; confirm balances, rates, and payment details with your lenders. Privacy Policy: https://hairuizhi-cn.github.io/payoffpath-privacy/ Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/