PayPlanr: Debt Payoff Planner

See exactly how much you'll save with a balance transfer. PayPlanr tracks your promo rates, builds a real payoff plan, and shows the fastest path to debt-free.

Most debt calculators treat each credit card as one balance with one rate. Your cards aren't that simple, and neither is PayPlanr. See your real debt-free date and exactly what a balance transfer could save you.

PayPlanr tracks what other apps ignore: your promotional rates, when they expire, and how that changes what you really owe. The result is a payoff plan built on your actual numbers, and balance-transfer recommendations ranked by the savings you'll really get.

WHAT YOU CAN DO • See your true debt-free date and total interest across every card • Get balance-transfer offers ranked by the real savings you'll actually get • Compare snowball and avalanche payoff methods, with math that reflects how your cards are actually billed, not a single blended-rate guess • Track 0% promotional windows before they expire and cost you • Watch your progress with a clear debt projection chart • See your payoff progress at a glance with a home-screen widget • Add cards manually for free, sync your Apple Card free (on-device, no bank login), or connect a bank with Plaid (Plus)

WHY PAYPLANR IS DIFFERENT Card-level calculators can be far off on interest and balance-transfer estimates because they ignore promotional rates and how payments are actually applied across your balances. PayPlanr's math reflects how your cards are actually billed, so the savings number you see is one you can trust.

FREE, PLUS & MAX Everything is free: up to 25 cards, 10 payoff plans, the full progress dashboard, balance-transfer savings, payment reminders, and free Apple Card sync. The only paid feature is automatic bank balance sync. PayPlanr Plus ($1.99/month) syncs up to 3 bank balances for you; PayPlanr Max ($6.99/month) syncs up to 10.

No ads. We don't sell your data. Just a clear, accurate path to debt-free.

Start your plan today and see how much a smarter payoff could save you.

Learn more at payplanr.com

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PayPlanr provides educational estimates and planning tools, not financial, legal, or tax advice. Balance-transfer savings are estimates based on the information you enter and may differ from actual results. Approval for any credit product is determined by the issuer.