Debt Payoff Accelerator vs Debt Payoff Tracker

Want to take control of your loan payments and save big? Our loan calculator offers a game-changing feature: inflation accounting. By adding just a little extra to your monthly payment, you can cut down your total interest and shorten your loan term by 2 to 3 times. The best part? The higher the interest rate, the more you’ll benefit from this feature as it helps you manage the compound interest! This tool is perfect for those who struggle with small rate increases and limited income—now everyone, regardless of their debt load, can start thinking about early repayment. And with the results, you can save your calculations as a PDF, share them instantly, or even print them out for easy reference. Plus, our ‘Smart Payment Schedule’ feature makes it even easier by combining extra payments quarterly or semi-annually in the early years. This simplifies the process and shows you exactly how much faster you can reduce your debt!

Become debt-free sooner. Debt Payoff Tracker is the simple debt snowball and avalanche planner that turns your credit cards, student loans, car loans, and personal loans into one clear payoff plan — with a debt-free date countdown that keeps you motivated every single day. Add each debt with its balance, APR, and minimum payment. Choose your payoff strategy, and the app instantly builds your fastest route out of debt, shows your exact debt-free date, and projects how much interest you'll pay — and save. YOUR DEBT-FREE DATE, FRONT AND CENTER • See the exact month you'll be 100% debt-free • Watch the countdown shrink with every payment you log • Progress ring shows how far you've already come SNOWBALL OR AVALANCHE — YOUR CHOICE • Snowball method: pay the smallest balance first for fast, motivating wins • Avalanche method: attack the highest APR first and pay less interest • Switch strategies anytime — your payoff order reorders instantly • See exactly which debt to attack next, and when each one will be gone EXTRA PAYMENTS = MONTHS OF YOUR LIFE BACK • Drag the extra payment slider and watch your payoff date jump closer • See interest saved in real dollars, instantly • Even $25/month extra can cut months off your plan TRACK EVERY DEBT AND PAYMENT • Unlimited debts: credit cards, student loans, auto loans, personal loans, medical bills, mortgages, and more • Log payments in seconds and watch balances drop • Full payment history, grouped by month • Amortization projection charts of your balance falling to zero • Monthly payment reminders so you never miss a due date • Export your data to CSV anytime PRIVATE BY DESIGN • No account, no sign-up, no bank linking • All data stays on your device — nothing is collected or shared • Works fully offline • All amounts in US dollars (USD) SUBSCRIPTION REQUIRED Debt Payoff Tracker requires a Debt Payoff Tracker Pro purchase to use the app. Plans: • Yearly: $29.99/year — includes a 3-day FREE trial • Monthly: $3.99/month • Lifetime: $49.99 one-time purchase Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel anytime in your Apple Account settings. Any unused portion of a free trial is forfeited when you purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appios432.blogspot.com/p/privacy-policy_01810498631.html Debt Payoff Tracker is a planning tool and does not provide financial advice. Projections are estimates based on the numbers you enter. Start today. Your debt-free date is closer than you think.