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Best Payoff Planner Apps

250+ iOS apps curated and reviewed

4.5 avg rating
19 free apps
Updated August 2026

With an average user rating of 4.5★, the payoff planner category is one of the App Store's strongest. Browse all 250+ apps we track, sorted so the most loved ones surface first.

Compare top Payoff Planner Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (7.2K)YesYesAug 2026
2Fleur - Budget Planner AppFleur - Budget Planner AppFree4.8★ (12K)NoYesAug 2026
3Buddy: Budget Planner AppBuddy: Budget Planner AppFree4.7★ (9.3K)NoYesAug 2026
4Debt Payoff Box: Snowball PlanDebt Payoff Box: Snowball PlanFree4.5★ (2.4K)NoYesAug 2026
5Debt Snowball - Payoff PlannerDebt Snowball - Payoff PlannerFree4.7★ (1.3K)NoYesAug 2026
6Debtoff – Debt Payoff PlannerDebtoff – Debt Payoff PlannerFree5.0★ (2)NoYesMay 2026
7Septuagint - Orthodox BibleSeptuagint - Orthodox BibleFree4.4★ (48)YesYesAug 2026
8Runway: Debt Payoff PlannerRunway: Debt Payoff PlannerFree—NoYesJul 2026

Top Picks for Payoff Planner

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
💰 Finance
4.7😊(7.2K ratings)
FreeAdsIn-App Purchases
#74in Finance
Debt Payoff Planner & Tracker screenshot 1
Debt Payoff Planner & Tracker screenshot 2
Debt Payoff Planner & Tracker screenshot 3
Debt Payoff Planner & Tracker screenshot 4
Debt Payoff Planner & Tracker screenshot 5
Debt Payoff Planner & Tracker screenshot 6

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

What We Love

  • 💯 Excellent debt tracking and planning
  • 🔍 Detailed debt breakdown and payoff timeline
  • 🎯 Helps stay motivated and on track
  • 👍 Simple and easy to use interface

Room to Improve

  • 🐛 Occasional app crashes and stability issues
  • 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
  • 💰 Frustration with premium-only features
Fleur - Budget Planner App#2

Fleur - Budget Planner App by Akash Jain

Bill Organizer & Money Tracker
Strong Contender
💰 Finance
4.8😊(12K ratings)
FreeIn-App Purchases
#57in Finance
Fleur - Budget Planner App screenshot 1
Fleur - Budget Planner App screenshot 2
Fleur - Budget Planner App screenshot 3
Fleur - Budget Planner App screenshot 4
Fleur - Budget Planner App screenshot 5
Fleur - Budget Planner App screenshot 6

This app helps you manage your finances with a simple and elegant interface. Easily track daily expenses and income, set monthly budgets, and monitor your spending habits. It offers features like transaction history, repeating transactions, and category management.

What We Love

  • 💖 Beautiful, aesthetically pleasing design
  • 👍 Easy to use and navigate
  • 🎨 Highly customizable categories and icons
  • 💰 One-time purchase, no subscription

Room to Improve

  • 🔒 No option to set password/biometric lock
  • 💸 Premium features may be out of reach for some
  • 📅 Lacks flexibility in date range/budgeting periods
Buddy: Budget Planner App#3

Buddy: Budget Planner App by Buddy Budgeting AB

Money Manager & Tracker
Worth Considering
💰 Finance
4.7😐(9.3K ratings)
FreeIn-App Purchases
#60in Finance
Buddy: Budget Planner App screenshot 1
Buddy: Budget Planner App screenshot 2
Buddy: Budget Planner App screenshot 3
Buddy: Budget Planner App screenshot 4
Buddy: Budget Planner App screenshot 5
Buddy: Budget Planner App screenshot 6

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

What We Love

  • 🚀 Easy to use
  • 👍 Visually appealing
  • 💡 Customizable categories
  • 🚀 Intuitive interface

Room to Improve

  • 🐛 Recurring transactions not working properly
  • 🐛 Balance not carrying over to next month
  • 🐛 Syncing issues between devices

More Payoff Planner apps to explore

4
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
Free

This app helps you organize and plan to pay off your debts efficiently. It supports various payoff strategies and allows you to track your progress, offering insights into interest and time savings. Get a clear overview of all your debts in one place to achieve financial freedom.

Debt payoff planningSnowball and avalanche methodsExtra payment strategy
💰 Finance
(2.4K)
free with in-app purchases
5
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

This app helps you get out of debt faster by implementing popular payoff strategies like Snowball and Avalanche. Track multiple debts, set payment schedules, and monitor your progress to save money on interest and become debt-free sooner.

Add multiple debtsChoose repayment frequencyTrack payments
💰 Finance
(1.3K)
free with in-app purchases
6
Debtoff – Debt Payoff Planner
Debtoff – Debt Payoff Planner
Debtoff – Debt Payoff Planner
Loan Calculator & Tracker
Free

Organize and manage all your loans, mortgages, and debts in one place. Set up repayment schedules, receive timely reminders to avoid late fees, and track your progress towards becoming debt-free.

All-in-one debt and loan managementRepayment schedule and remindersLoan and debt repayment planning
🔧 Utilities
(2)
freemium
7
Septuagint - Orthodox Bible
Septuagint - Orthodox Bible
Septuagint - Orthodox Bible
Get closer to God.
Free

Explore the ancient Greek Septuagint Old Testament in clear English. Features an AI assistant for faith questions, daily readings, and an intuitive design focused on Orthodox Christian tradition. Offers unlimited access via subscription.

English Septuagint translationAI Faith AssistantDaily readings
🔍 Reference
(48)
free with in-app purchases
8
Runway: Debt Payoff Planner
Runway: Debt Payoff Planner
Runway: Debt Payoff Planner
Snowball & Avalanche Tracker
Free
💰 Finance
(0)
9
DebtWise — Debt Payoff Planner
DebtWise — Debt Payoff Planner
DebtWise — Debt Payoff Planner
Custom Order. Debt-Free Faster
Free
💰 Finance
(0)
10
Payfin: Debt Payoff Planner
Payfin: Debt Payoff Planner
Payfin: Debt Payoff Planner
Loan, Credit & Budget Tracker
Free
💰 Finance
(0)
11
acacio
acacio
acacio
by ACACIO SISTEMAS DE ALARMA SL
Free
🌟 Lifestyle
(0)
12
Eliminate: Debt Payoff Planner
Eliminate: Debt Payoff Planner
Eliminate: Debt Payoff Planner
Pay it down. Own your future.
Free

This app helps you track and pay down debt without connecting to your bank. It visualizes your debt-free date, offers payoff strategies, and sends payment reminders. Your financial data remains private and stored only on your device.

Visualize debt-free dateSnowball or avalanche payoff methodsPayment reminders and alerts
💰 Finance
(2)
freemium
13
Debt Payoff Planner
Debt Payoff Planner
Debt Payoff Planner
by Business Insights Ltd
$1.99

This app helps you visualize and plan debt payoff scenarios for credit cards and mortgages. It provides practical projections to estimate payoff timelines, total interest, and the impact of different payment amounts, enabling informed financial decisions.

Estimate debt payoff timelinesProject total interest and paymentsCompare payoff scenarios
💰 Finance
(5)
paid
14
7GO eSIM
7GO eSIM
7GO eSIM
by GATEWAY FOR PROGRAMING TECHNOLOGIES
Free

Access fast and reliable internet in over 190 destinations worldwide with flexible eSIM data plans. Activate your digital SIM in minutes for an easier and smarter travel experience.

Fast internet in 190+ destinationsFlexible data plansDigital eSIM activation
✈️ Travel
(11)
free
15
Payoff Planner - Get Debt Free
Payoff Planner - Get Debt Free
Payoff Planner - Get Debt Free
Smart debt payoff by paycheck
Free

This app creates a personalized debt payoff plan based on your actual pay schedule. It analyzes your income, bills, and expenses to tell you how much extra to pay towards debt and which debt to prioritize. See your estimated debt-free date with multiple payoff strategies.

Personalized debt payoff planSyncs to pay scheduleMultiple payoff strategies (Snowball, Avalanche, etc.)
💰 Finance
(1)
free with in-app purchases
16
Debt Crush: Payoff Planner
Debt Crush: Payoff Planner
Debt Crush: Payoff Planner
Snowball & Avalanche Tracker
Free
💰 Finance
(0)
17
Debt Descent: Payoff Planner
Debt Descent: Payoff Planner
Debt Descent: Payoff Planner
Snowball & avalanche payoff
Free
💰 Finance
(0)
18
PayPlanr: Debt Payoff Planner
PayPlanr: Debt Payoff Planner
PayPlanr: Debt Payoff Planner
Balance Transfer Calculator
Free
💰 Finance
(0)
19
Melt - Debt Payoff Planner
Melt - Debt Payoff Planner
Melt - Debt Payoff Planner
Find the light with your debt.
Free
💰 Finance
(0)
20
DebtDrop: Debt Payoff Planner
DebtDrop: Debt Payoff Planner
DebtDrop: Debt Payoff Planner
Pay off debt. Save thousands.
Free

This app provides a personalized, step-by-step plan to eliminate your debts efficiently. It offers two proven payoff methods and visualizes your progress, helping you save money and understand the true cost of your debt.

Personalized payoff planAvalanche and Snowball methodsMonthly payment guidance
💰 Finance
(2)
free with in-app purchases

FAQ about Payoff Planner

What are the best payoff planner apps for iPhone?
Debt Payoff Planner & Tracker tops our payoff planner apps ranking as of August 2026, with a 4.7-star average from 7.2K App Store ratings, and it's free to download.
Yes — 19 of the top payoff planner apps we rank are free to download, including Debt Payoff Planner & Tracker and Fleur - Budget Planner App.
Debt Payoff Planner & Tracker shows ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 250+ payoff planner apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app helps you create a personalized, step-by-step plan to pay off your loans. It uses your loan details and budget to generate customized repayment schedules and allows you to track your progress towards becoming debt-free.
The app supports several popular strategies including Dave Ramsey's Debt Snowball (paying off smallest balances first), Debt Avalanche (paying off highest interest rates first), Debt Snowflake (making one-time extra payments), and custom payoff plans.

Related searches

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