PayAway vs Debt Payoff Planner

Overwhelmed by debt? Meet PayAway – your all-in-one debt payoff planner and tracker that helps you pay off debt faster and boost your credit score at the same time. Using our proprietary Credit Utilization Method, PayAway optimizes your payoff plan to improve credit health while crushing debt, outperforming traditional Snowball and Avalanche strategies in saving money and time. Key Features: All-in-One Debt Tracker: Organize all your debts (credit cards, student loans, auto loans, etc.) in one place. See balances, interest rates (APR), and due dates at a glance. Personalized Payoff Plans: Choose a strategy that fits you – Debt Snowball (smallest balance first), Debt Avalanche (highest interest first), or let PayAway suggest a custom plan tailored to your goals. Smart Debt Snowball Calculator: Instantly calculate your debt-free date and interest savings under Snowball, Avalanche, or any extra payment scenario. Adjust payments to see “what-if” scenarios and find the fastest payoff path. Exclusive Credit Utilization Method: Boost your credit score as you pay down debt. PayAway prioritizes payments to lower your credit utilization ratio, helping raise your credit score faster than Snowball or Avalanche alone. Budget & Extra Payments: Set a monthly debt-payoff budget so you know exactly how much extra cash can go toward debt each month. PayAway shows you how even small extra payments can save money on interest and shorten your payoff timeline. Progress Tracking & Alerts: Stay motivated with interactive charts and milestones. Watch your debt shrink and get notified when you hit payoff milestones or when a debt is paid off. Easy & Intuitive: Designed for Gen Z & Millennials, PayAway features a clean, uncluttered interface. No confusing finance jargon – just a simple, powerful debt payoff tool that puts you in control. Secure & Private: All data is stored securely. No bank connections required – you’re always in control of your information. Why Choose PayAway? Unlike one-size-fits-all budgeting apps, PayAway is laser-focused on helping you become debt-free and build credit. It’s your companion on the journey to financial freedom. Our app doesn’t overwhelm you with features you don’t need. Instead, PayAway gives you a clear plan, tailored advice, and the motivation to stick with it. Save money, eliminate debt, and watch your credit score rise – all in one app. Whether you’re juggling multiple credit cards or paying off student loans, PayAway has you covered. It’s perfect for: Credit card debt – tackle high-interest balances and break the cycle. Student loans – manage loans and pay them off sooner. Auto or personal loans – keep track of loans and plan early payoffs. Debt snowball fans – if you’re looking for a debt snowball calculator, PayAway provides one with an extra credit-boosting edge. Anyone who needs a debt tracker and payoff planner – and wants to improve their credit score while doing it. Start Your Debt-Free, Credit-Boosted Journey Today Don’t let debt hold you back. Download PayAway now and take control of your finances. See how quickly you can pay off debt and achieve the freedom of a debt-free life with better credit. The sooner you start, the sooner you’ll celebrate being debt-free and building a brighter financial future. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Debt Payoff Planner is a debt payoff app for iPhone. Enter your loans, credit cards and other debts, compare the snowball and avalanche methods, see your estimated debt-free date, and record every payment. No account and no bank connection: your data stays on your device. WHO IT IS FOR People paying off one or several debts who want one clear plan: which debt gets the extra money first, when each debt is paid off, and how much interest the plan saves. It works both ways: track loans, credit cards and mortgages you owe, plus money friends or family owe you. WHAT YOU CAN DO - Add debts with balance, interest rate, monthly payment and due date - Track debts you owe and debts owed to you - Categorize debts (credit card, auto loan, student loan, mortgage or custom) - Log payments; balances and progress update automatically - See the principal vs interest breakdown of each payment - Get reminders before due dates and see which debts are overdue PAYOFF STRATEGIES - Snowball: smallest balance first, for quick wins - Avalanche: highest interest rate first, to pay less interest Enter an extra monthly amount and compare both methods: debt-free date, months to go and estimated interest. When one debt is paid off, its payment moves to the next one. STATISTICS - Total debt overview for debts you owe and debts owed to you - Debt-free date countdown - Payment breakdown charts and monthly payment trends - Average monthly payment ACHIEVEMENTS - Progress badges at 25%, 50%, 75% and 100% - Streaks for on-time payments - Celebration screens when you reach a goal FREE AND PREMIUM Free: up to 3 debts, payment logging, reminders, the debt-free estimate and basic statistics. Premium adds: - Unlimited debts - Strategy comparison with the exact payoff order - Advanced statistics and charts - Debt-free date forecast - Payment streak tracking and global achievement badges - PDF report export ALSO INCLUDED - Loan calculator to estimate a new loan - Works offline - No account required - 13 languages PRIVACY Debt Payoff Planner does not connect to your bank and does not access financial accounts. You enter debts manually and track payments yourself. Your records are stored on your device. SUBSCRIPTION Monthly: $4.99/month. Yearly: 7-day free trial, then $29.99/year. Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours before the end of the current period. You can manage and cancel subscriptions in your App Store account settings after purchase. Privacy Policy: https://debtpayoff.app/privacy Terms of Use: https://debtpayoff.app/terms