Debt Payoff Planner: Tracker

Summary

Debt Payoff Planner: Tracker is an iPhone app and web-based planning tool for recording debts, logging payments, comparing payoff approaches, and following progress. It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. Users can review payment history and set reminders. The app can track money owed by the user as well as money owed to them, and it works offline. Debts are entered manually: the app does not connect to a bank or ask for bank login details. Records stay on the user's iPhone and private iCloud rather than the developer's servers, although purchases, analytics, and diagnostics use service providers. The free plan covers up to three debts and includes payment logging, reminders, and a debt-free estimate. Premium monthly costs 4.99 USD per month; Premium yearly costs 29.99 USD per year and includes a 7-day free trial. Paid plans add unlimited debts, strategy comparison with exact payoff order, advanced statistics, and PDF reports. The app requires iOS 26 or later and has no Android version; its website also offers free browser-based payoff calculators without an account.

Who it is for

The app suits iPhone users who want to enter debts manually, compare snowball and avalanche plans, and track payments offline. Its free plan may fit people tracking up to three debts.

Compared on debt management software

Free plan

Yesdebtpayoff.app

Paid from

$4.99/modebtpayoff.app

Payoff strategies

bothdebtpayoff.app

Balance tracking

Yesdebtpayoff.app

Mobile apps

Yesdebtpayoff.app

Facts

Purpose

The app records debts and payments, compares payoff strategies, and tracks progress; it is a planning tool, not a lender or debt settlement service.debtpayoff.app · 2 Oct 2026

Payment tracking

Users can log payments, review payment history, set reminders, and follow progress.debtpayoff.app · 2 Oct 2026

Debts covered

The app can track money users owe and money owed to them.debtpayoff.app · 2 Oct 2026

Offline use

The app works offline.debtpayoff.app · 2 Oct 2026

Bank connection

Users enter debts manually, and the app does not connect to a bank or request a bank login.debtpayoff.app · 2 Oct 2026

Data storage

Debt records stay on the user's iPhone and in their private iCloud, and are not sent to the developer's servers.debtpayoff.app · 2 Oct 2026

Third-party services

Purchases, analytics, and diagnostics use service providers.debtpayoff.app · 2 Oct 2026

Calculators

The website offers free debt payoff, loan, and credit card payoff calculators that run in the browser without an account.debtpayoff.app · 2 Oct 2026

Calculator privacy

Calculator inputs are not sent to analytics, but printed-plan QR codes and older shared-plan links can include debt names and plan numbers in the URL.debtpayoff.app · 2 Oct 2026

Limitations

The app is for iPhone with iOS 26 or later, has no Android version, and supports only snowball and avalanche strategies.debtpayoff.app · 2 Oct 2026

Languages

The app is available in 13 languages.debtpayoff.app · 2 Oct 2026

Maker

The app is made by Linas Nutautas, an independent iOS developer.debtpayoff.app · 2 Oct 2026

Support

The developer says to contact them through the app's App Store listing.debtpayoff.app · 2 Oct 2026

Where it ranks on Everything Xiaomi

• Best Debt Management Software in 2026#5 of 23

Sources

• debtpayoff.app/app/· checked 2 Oct 2026
• debtpayoff.app/faq/· checked 2 Oct 2026
• debtpayoff.app· checked 2 Oct 2026