Debt Payoff Planner vs Debt

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

Debt-Free is a manual, on-device payoff planner that helps you estimate a path out of debt without connecting to a bank. Add balances, APRs, minimum payments, and optional monthly due days; compare avalanche and snowball strategies; explore extra-payment scenarios; and review estimated payoff dates and interest. Recorded payments immediately reduce the tracked balance once and preserve payment history. Reconcile the result against lender statements because fees, interest, allocation, and posting can differ. Avalanche and Snowball visibly reorder debts into strategy priority. Table headers also support manual sorting by balance, APR, payment, and next due date; My Order restores your saved custom order. Optional due days are planning context only, with short months safely using the final valid day. User-confirmed progress can earn optional milestone cards for percentage milestones, debts paid off, and full completion. Choose a tone, edit the caption, control optional disclosures, preview the exact card, and open Apple’s share sheet only when you decide. Nothing posts automatically. Cards hide lender, debt name, account information, current balance, identity, and exact payoff date by default. Amount paid down is off by default. The free app supports up to two debts, avalanche calculation, recurring extra-payment exploration, per-debt timelines, progress tracking and milestone sharing, a Home Screen widget, and portable JSON backup/restore. Optional Lifetime Access is a $4.99 one-time non-consumable purchase—not a subscription—that unlocks unlimited debts, snowball comparison, scheduled and one-time scenarios, debt targeting, detailed monthly schedules, reminders, and plan export. Restore Purchases is available. All results are estimates based on manually entered values, not financial advice or guarantees. Debt-Free does not connect to banks, verify lender balances, make payments, or guarantee savings or payoff outcomes.