Debt Payoff Planner vs DebtDate

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

How soon could you be debt-free? Add your debts and find out in 30 seconds. DebtDate shows you the exact month you'll pay off every credit card, loan, and bill — and how much sooner it happens when you pay a little extra. No signup. No bank login. No subscription. YOUR DEBT-FREE DATE Enter each debt's balance, interest rate, and minimum payment. DebtDate instantly calculates when you'll be done — one big date, front and center. That date is your goal, and everything in the app is built to move it closer. SNOWBALL VS AVALANCHE Compare the two most popular payoff methods side by side: - Snowball — smallest balance first, for quick wins and motivation - Avalanche — highest interest first, for maximum savings See exactly how much interest each method costs you and pick the one that fits how you stay motivated. THE EXTRA PAYMENT SLIDER Drag the slider and watch your debt-free date move. See in real time what an extra $50, $100, or $200 a month actually does — months or years off your timeline, and the interest savings in dollars. TRACK YOUR PROGRESS - Log payments as you make them — your plan recalculates from your real balances - Watch every balance fall on the payoff timeline chart - See per-debt payoff dates, total paid down, and percent complete - Payment history for every debt PRIVATE BY DESIGN Your debt data never leaves your phone. No account, no email, no bank connection. Delete the app and the data is gone. Debt is personal — your plan should be too. SIMPLE, HONEST PRICING DebtDate is free to use. One optional one-time upgrade unlocks unlimited debts, removes ads, and adds export — no subscription, ever. We think a debt payoff app charging you monthly is a bit backwards. WHO IT'S FOR Anyone juggling credit cards, car loans, student loans, or medical bills who wants a clear answer to one question: when will this be over? Whether you follow the snowball method, the avalanche method, or just want to see the finish line — your date is waiting. Add your debts. See your date. Make it sooner. Payoff dates and interest totals are estimates based on the information you enter — not financial advice.