Debt Payoff Tracker & Planner

See which debt to prioritize and why. Compare four payoff strategies, including Credit Score Focus, and explore how extra payments change your payoff time and interest.

Debt Payoff Tracker brings your credit cards, loans, payments, and due dates into one place. Record what you actually pay and see your payoff projection update as balances change.

FOUR PAYOFF STRATEGIES • Debt Snowball — Start with the smallest balances • Debt Avalanche — Prioritize the highest interest rates • Credit Score Focus — Target higher-utilization cards • Custom Order — Arrange debts your way

WHAT-IF CALCULATOR Try different extra-payment amounts and compare estimated months saved, potential interest savings, and total payoff time.

TRACK YOUR DEBTS Add credit cards, student loans, auto loans, mortgages, personal loans, medical bills, and other balances.

PAYMENT HISTORY Record payments, view principal and interest breakdowns, and add notes.

PAYMENT SCHEDULE View a month-by-month projection of payments, balances, interest, and estimated payoff timing.

BUDGET SUMMARY Compare your monthly income with planned debt payments and see how much remains.

REMINDERS, PRIVACY & SECURITY • Customizable payment reminders • App Lock with Face ID, Touch ID, or Passcode • No bank connection or app account required

OPTIONAL ICLOUD SYNC Keep your debts, payments, and payoff plan synced across your iPhone, iPad, and Mac when iCloud Sync is enabled.

CREDIT UTILIZATION Track overall and card-level utilization with simple status indicators.

9 CURRENCIES USD, EUR, GBP, CHF, CNY, CAD, AUD, JPY, and SAR.

PREMIUM The free version allows one debt. Upgrade to Premium to track unlimited debts.

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