Payoff Formula vs DebtUnlocked

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.

Drowning in debt payments? DebtUnlocked shows you exactly how to pay it all off and when you'll finally be free. Enter your debts, set a monthly budget, and get a personalized payoff plan in seconds. See the exact payoff date, total interest you'll save, and a payment schedule broken down month by month. WHAT YOU CAN DO • Track credit cards, student loans, auto loans, medical bills, and more • Choose Avalanche (highest interest first) or Snowball (smallest balance first) • Set a monthly budget and see how extra payments accelerate your payoff • View full amortization tables: every payment, every month • Get reminded before payments are due so you never miss one • Log payments and watch your balances drop in real time • Export your payoff plan to CSV and share with a financial advisor • Watch your debt-free date count down as you make progress Stop guessing. Start paying smarter. Terms of Use: https://debtunlocked.app/terms Privacy Policy: https://debtunlocked.app/privacy