Debt Payoff Tracking & Planner

See your debt-free date the second you add your loans. Snowball, avalanche, or a custom plan — track every payment privately. No account, no ads.

Take control of what you owe with a clear, step-by-step payoff plan you'll actually stick to.

Debt Payoff turns every loan, card, and balance into one simple plan — and shows you the exact date you'll be debt free. Enter what you owe, add whatever extra you can put toward it each month, and let the app build your personal payoff schedule.

HOW IT WORKS

• Add each debt with its balance, interest rate (APR), and minimum payment
• Set the extra amount you can pay above the minimums
• Pick a strategy and see your debt-free date instantly

CHOOSE YOUR STRATEGY

• Snowball — clear the smallest balance first for fast, motivating wins
• Avalanche — hit the highest interest rate first to pay the least overall
• Snowflake — drop a one-time payment (a bonus, tax refund, or side gig) straight onto your plan
• Custom — order your debts your way and stay in control

TRACK EVERY PAYMENT Log payments as you make them and watch your balances fall and your debt-free date move closer. A clear chart compares paying only the minimums against your accelerated plan, so you can see exactly how much time and interest you're saving.

BUILT FOR EVERY KIND OF DEBT Credit cards, student loans, car and auto loans, medical bills, mortgages, personal loans, taxes, and anything else — organize it all in one place.

YOUR DATA STAYS YOURS No account. No sign-up. No ads. Your numbers live on your device and sync privately through your own iCloud — we never see them, sell them, or share them. Your money is your business.

Start today, make a plan, and take your first step toward being debt free.

Privacy Policy: https://debt-payoff-eight.vercel.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Questions or feedback? Email hello@dariaiaparova.com — I read every message.