Debt Payoff Tracker vs Payoff Formula

DebtFree is a private debt payoff planner for iPhone. It helps you organize credit cards, personal loans, student loans, auto loans, medical bills and mortgages, then turns those balances into a clear plan built from your numbers. TURN DEBT INTO A DATE • Compare the Debt Snowball, Debt Avalanche and your own custom payoff order • See an estimated debt-free date, projected interest and what to pay next • Follow a month-by-month table showing payments, principal, interest and balance • Record regular, extra, partial, principal-only and lump-sum payments • Test an extra payment before changing your active plan WHEN REAL LIFE CHANGES THE PLAN Debt payoff rarely follows a perfect spreadsheet. Plan around paydays, essential commitments and a safety buffer. Schedule recurring extras, one-time income, reduced-payment months or a temporary return to minimum payments. DebtFree previews how a change may affect your date and estimated interest before you apply it. ARE YOU STILL ON TRACK? Compare the projected balance with your latest statement. If interest, fees or timing changed the result, DebtFree records a transparent adjustment and rebuilds the future plan without erasing payment history. Calculation explanations show the information and assumptions behind each projection. PRIVATE BY DESIGN No bank connection or DebtFree account is required. Core financial data stays on your device by default. No third-party ads or tracking. Optional manual iCloud backup and restore is available without Premium; this is not continuous sync. READY FOR iOS 27 Built with the iOS 27 SDK for the latest iPhone experience, including native navigation, privacy-first Siri Shortcuts, configurable widgets and on-device intelligence on supported devices. DebtFree continues to support iOS 17.0 and later. FREE & PREMIUM New free users can track up to 3 active debts, record payments and use essential payoff planning and basic Debt Coach explanations. Paid-off debts keep their history without using a slot. Premium adds unlimited debts, adaptive planning, saved scenarios, advanced analytics, custom ordering, assisted statement/CSV entry, exports and widgets. Existing users keep their grandfathered allowance. Eligible monthly and annual plans may include a 3-day free trial. Any available trial, local price and billing period are shown before purchase. Payment is charged to your Apple ID. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and can be managed in Apple ID settings. DebtFree provides estimates and educational information based on the details you enter. It does not provide financial, legal, tax, credit-repair, lending or debt-settlement advice. Support: https://debtpayofftracker.app/support/ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://debtpayofftracker.app/privacy/

Payoff Formula helps you build a clear plan to pay off your credit card debt. Enter your balance, credit limit, interest rate, and how long you want to pay it off. The app calculates your monthly payment using a utilization-based formula and shows you a complete month-by-month schedule. No guessing. No hidden math. Every step of the formula is shown so you understand exactly what you're paying and why. Features: Step-by-step math breakdown of your payoff plan Month-by-month payment schedule with utilization tracking Color-coded utilization zones (red, yellow, green) Add multiple credit cards and compare plans Summary with highest payment, lowest payment, and total cost All data stored locally on your device No login, no ads, no tracking, completely free Built by DevAppStudios.