Debt Payoff Planner Plus vs Payoff

Take control of your debt and see a clear path forward. Organize everything in one place, choose a proven payoff strategy, and watch your debt-free date move closer in real time. Build momentum, stay consistent, and become debt-free faster. Debt Payoff Planner is a simple, privacy-first debt tracker and payoff calculator built for real life. No bank linking. No sign-up required. Just clear numbers, smart plans, and progress you can feel. WHY PEOPLE USE DEBT PAYOFF PLANNER · See all credit cards, loans, and bills in one clean dashboard · Know exactly which debt to pay first · Test extra payments and instantly see your new payoff date · Stop missing due dates with smart reminders · Stay motivated with visible wins and milestones CORE FEATURES · Fast setup with no account required · Add unlimited debts including credit cards, personal loans, auto, medical, student loans, mortgage, and more · Snowball and Avalanche strategies with side-by-side comparison · Real-time what-if simulator with extra payment slider · Month-by-month payment schedule for every debt · Progress dashboard showing total paid, interest avoided, and time remaining · Payment logging and upcoming due date reminders · Works offline with all calculations on your device · Multi-currency support for global users DESIGNED FOR REAL LIFE Whether you are paying minimums, adding a little extra each month, or dealing with uneven income, Debt Payoff Planner adapts to your situation. Adjust anytime and instantly see the impact. PRIVATE AND TRUSTWORTHY · No bank connections · No sensitive financial syncing · Your data stays on your device · No account, cloud backup, or remote sync FREE TO USE All core features are free. Remove ads anytime with a small one-time purchase. No subscriptions. No locked essentials. If you are ready to stop guessing and start making progress, download Debt Payoff Planner today and take the first step toward being debt-free.

What if paying off debt didn't have to feel so lonely? Most debt apps hand you a spreadsheet and say "good luck." Payoff is different. It pairs you with an AI coach that actually knows your debts, a plan that adapts to your life, and a savings planner that shows you what freedom looks like on the other side. Whether you're juggling credit cards, student loans, car payments, medical bills, or buy-now-pay-later debt — Payoff creates a personalised debt payoff plan in minutes. No bank access needed. No judgement. Just a clear path forward. __________________________________ AI DEBT COACH — YOUR SMARTEST FINANCIAL FRIEND "I got a $600 bonus — what should I do with it?" Your AI coach analyses your actual balances and tells you exactly where that money does the most damage. It's like texting a financial advisor who never sleeps and never judges. 7 SMART PAYOFF STRATEGIES + BABY STEPS - Debt Snowball — smallest balance first for quick wins and motivation - Debt Avalanche — highest interest first to save the most money - Hybrid — AI-recommended blend of both approaches - Plus 4 more: Cash Flow Index, Deadline, Highest Balance & Custom Order - Built-in Baby Steps guide — follow Dave Ramsey's proven framework from emergency fund to debt freedom to investing - Not sure which? Take our 60-second personality quiz — we'll match you A DEBT TRACKER THAT ACTUALLY MOTIVATES YOU - Beautiful dashboard with progress ring, streak counter, and debt-free countdown - What-if scenarios — slide to see how one extra payment changes your payoff date - Log payments, hit milestones, earn streaks — every step celebrated - Smart Import — snap a photo of your statement, AI extracts everything - Payment reminders and calendar sync so you never miss a due date FOCUS MODE — FOR THE HARD DAYS Feeling overwhelmed by the numbers? One tap hides every balance. You see only your progress percentage and one simple action: "Pay $180 to Visa." Trust the plan. Breathe. LIFE AFTER DEBT — BECAUSE THAT'S THE WHOLE POINT Most debt apps stop the moment you're debt-free. We think that's where life starts: - See exactly how much monthly cash you'll free up from debt payments - Set savings goals — emergency fund, dream holiday, first home - Investment tracker — plan compound growth for retirement, index funds & more - Money timeline maps every milestone from debt payoff to savings to investments - Watch your debt-free date, savings targets, and investment goals on one screen PARTNER MODE — TACKLE DEBT AS A TEAM Share debts with your partner, split payments, track who's contributed what, and chat with a shared AI coach together — all synced in real-time. Because money conversations are easier with the right tools. EVERY DEBT TYPE. EVERY CURRENCY. EVERY LANGUAGE. Credit cards, student loans, auto loans, mortgages, personal loans, medical debt, BNPL (Klarna, Afterpay), tax debt — all supported. 9 languages. Multi-currency. Works worldwide. Your data stays on your device. __________________________________________ FREE TO START — NO CREDIT CARD REQUIRED - Track 2 debts for free - Snowball & Avalanche strategies included - Dashboard with debt-free countdown timer - Payment reminders & milestone celebrations - 5 AI coach messages per month PREMIUM — UNLOCK YOUR FULL POTENTIAL - Unlimited debts & unlimited AI coaching - All 7 strategies + personality quiz recommendation - Focus Mode, savings planner & investment tracker - What-if scenarios, smart import & CSV import - Partner/Household mode for couples - Expense tracker & custom accent colours __________________________________________ The average person with a plan pays off debt 2-3 years faster than someone paying minimums. Your plan starts today. You've got this. END USER LICENSE AGREEMENT: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/