Debt Payoff Planner: Tracker
debtpayoff.app
What it is
Debt Payoff Planner: Tracker is an iPhone app and web-based planning tool for recording debts, logging payments, comparing payoff methods, and following progress. It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. Users can review payment history, set reminders, and see a debt-free estimate. The app tracks both money users owe and money owed to them, and works offline. Debts are entered manually; the app does not connect to a bank or request bank login details. Records stay on the user's iPhone and private iCloud rather than the developer's servers, though purchases, analytics, and diagnostics use service providers. The free plan covers up to three debts. Premium monthly costs $4.99 a month, while Premium yearly costs $29.99 a year and includes a 7-day free trial. Paid plans add unlimited debts, exact strategy order comparisons, advanced statistics, and PDF reports. The app requires iOS 26 or later; the website also offers browser-based payoff calculators without an account.
Spec sheet
- What it does
- The product is an iPhone debt tracker that records debts and payments and compares snowball and avalanche payoff plans.Read 15 Oct 2026 · debtpayoff.app
- 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.Read 2 Oct 2026 · debtpayoff.app
- Support
- Support is offered through the app listing or the maker’s contact form and email.Read 15 Oct 2026 · linasdev.io
- Maker
- The app is made by Linas Nutautas, an independent iOS developer.Read 2 Oct 2026 · debtpayoff.app
- Achievements
- Progress badges are offered at 25%, 50%, 75% and 100%, together with payment streaks and goal celebrations.Read 15 Oct 2026 · apps.apple.com
- Avalanche method
- Avalanche ordering targets the highest interest rate first.Read 15 Oct 2026 · debtpayoff.app
- Bank connection
- Users enter debts manually, and the app does not connect to a bank or request a bank login.Read 2 Oct 2026 · debtpayoff.app
- Bank integration
- The product never connects to a bank or requests bank credentials.Read 15 Oct 2026 · debtpayoff.app
- Calculator privacy
- Calculator inputs are not sent to analytics, but QR codes and older shared-plan links can put debt names and plan numbers in URLs.Read 15 Oct 2026 · debtpayoff.app
- Calculators
- The website offers free debt payoff, loan, and credit card payoff calculators that run in the browser without an account.Read 2 Oct 2026 · debtpayoff.app
- Data storage
- Debt records stay on the user's iPhone and in their private iCloud, and are not sent to the developer's servers.Read 2 Oct 2026 · debtpayoff.app
- Debt types
- The app supports credit-card, auto-loan, student-loan, mortgage and custom debt categories.Read 15 Oct 2026 · apps.apple.com
- Debts covered
- The app can track money users owe and money owed to them.Read 2 Oct 2026 · debtpayoff.app
- Device storage
- The maker says app records remain on the iPhone rather than its servers.Read 15 Oct 2026 · debtpayoff.app
- Incoming debts
- It can also track money owed to the user by friends or family.Read 15 Oct 2026 · apps.apple.com
- Interest breakdown
- Each payment can show how much went to principal versus interest.Read 15 Oct 2026 · apps.apple.com
- Languages
- The app listing says it supports English plus 12 additional languages.Read 15 Oct 2026 · apps.apple.com
- Limit: calculation reliability
- Version history acknowledges that balances, due dates and payoff estimates had sometimes been incorrect and says they were rebuilt.Read 15 Oct 2026 · apps.apple.com
- Limit: crash complaint
- The sole App Store reviewer reported that the app began crashing whenever it was opened.Read 15 Oct 2026 · apps.apple.com
- Limit: strategy scope
- The FAQ says the app supports only snowball and avalanche strategies.Read 15 Oct 2026 · debtpayoff.app
- Limitations
- The app is for iPhone with iOS 26 or later, has no Android version, and supports only snowball and avalanche strategies.Read 2 Oct 2026 · debtpayoff.app
- Maker experience
- The maker says he shipped his first App Store app in 2024 while working full time.Read 15 Oct 2026 · linasdev.io
- Maker location
- Linas Nutautas says he is from Lithuania and lives in Norway; the privacy policy calls the developer Norway-based.Read 15 Oct 2026 · linasdev.io
- Maker structure
- Linasdev describes itself as a one-person app studio operated by Linas Nutautas.Read 15 Oct 2026 · linasdev.io
- Manual entry
- Users enter balances, interest rates, minimum payments and due dates themselves.Read 15 Oct 2026 · apps.apple.com
- Notable release
- The App Store history lists version 1.0 as released on June 15, 2025.Read 15 Oct 2026 · apps.apple.com
- Notable update
- Version 1.1.7 added entry of recurring lender fees and split payments into fee, interest and principal.Read 15 Oct 2026 · apps.apple.com
- Offline operation
- The iPhone app works offline and does not require an account.Read 15 Oct 2026 · debtpayoff.app
- Offline use
- The app works offline.Read 2 Oct 2026 · debtpayoff.app
- Payment history
- Payments can be logged and the app updates balances and progress automatically.Read 15 Oct 2026 · apps.apple.com
- Payment tracking
- Users can log payments, review payment history, set reminders, and follow progress.Read 2 Oct 2026 · debtpayoff.app
- Payoff strategies
- It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate.Read 2 Oct 2026 · debtpayoff.app
- PDF export
- Premium can export a PDF report.Read 15 Oct 2026 · debtpayoff.app
- Platform requirement
- The app requires iOS 26 or later and is iPhone-only; there is no Android version.Read 15 Oct 2026 · debtpayoff.app
- Privacy services
- The privacy policy says RevenueCat processes purchase data, Sentry receives crash reports and TelemetryDeck receives anonymized usage events.Read 15 Oct 2026 · linasdev.io
- Rating on Apple App Store
- 5.0 out of 5 from 1 ratingRead 15 Oct 2026 · apps.apple.com
- Reminders
- The app provides due-date reminders and identifies overdue debts.Read 15 Oct 2026 · apps.apple.com
- Security statement
- The privacy policy says internet transmissions use encrypted connections and that absolute security cannot be guaranteed.Read 15 Oct 2026 · linasdev.io
- Snowball method
- Snowball ordering targets the smallest balance first.Read 15 Oct 2026 · debtpayoff.app
- Statistics
- Statistics include total-debt summaries, a debt-free countdown, payment charts, monthly trends and average monthly payment.Read 15 Oct 2026 · apps.apple.com
- Strategy comparison
- Premium compares payoff dates, remaining months and estimated interest for the two strategies.Read 15 Oct 2026 · apps.apple.com
- Third-party services
- Purchases, analytics, and diagnostics use service providers.Read 2 Oct 2026 · debtpayoff.app
- Web calculators
- The website provides free debt-payoff, loan and credit-card calculators that run in a browser without an account.Read 15 Oct 2026 · debtpayoff.app
Plans and prices
Free Free Up to 3 debts · payment logging · reminders · debt-free estimate Read 2 Oct 2026 · debtpayoff.app
Free Free $0 up to 3 debts · payment logging · reminders · debt-free estimate Read 15 Oct 2026 · debtpayoff.app
Premium monthly $4.99 a month Monthly Unlimited debts · strategy comparison with exact payoff order · advanced statistics · PDF reports Read 2 Oct 2026 · debtpayoff.app
Premium monthly $4.99 a month $4.99 a month unlimited debts · exact strategy comparison · advanced statistics · PDF reports Read 15 Oct 2026 · debtpayoff.app
Premium yearly $29.99 a year Yearly; 7-day free trial Unlimited debts · strategy comparison with exact payoff order · advanced statistics · PDF reports Read 2 Oct 2026 · debtpayoff.app
Premium yearly $29.99 a year $29.99 a year; 7-day free trial unlimited debts · exact strategy comparison · advanced statistics · PDF reports Read 15 Oct 2026 · debtpayoff.app
Strong points and limits
Strong points
- Works offline.
- Debt records stay on iPhone and private iCloud.
- Tracks debts owed to and by the user.
- Free plan allows up to three debts.
- Website calculators run without an account.
Limits
- Requires iOS 26 or later.
- No Android version.
- Only snowball and avalanche strategies are supported.
- Free plan is limited to three debts.
Who it suits
It suits iPhone users who want to enter debts manually and track progress using snowball or avalanche planning. Its browser calculators may suit people who want a payoff calculation without an account.
Debt Payoff Planner: Tracker in depth
Read the full write-up
Overview
Debt Payoff Planner: Tracker is a manual debt planner for iPhone users who want to log payments, set reminders, and compare payoff approaches. It suits people who prefer not to connect a bank account; the three-debt free-plan cap and iOS 26 requirement are the main reasons to look elsewhere.
This is a planning tool, not a lender or debt-settlement service. Its browser calculators give anyone a no-account way to estimate debt, loan, and credit-card payoffs.
Key features
Snowball targets the smallest balance, while avalanche targets the highest interest rate. Comparing these methods helps users choose between pursuing smaller balances first and prioritizing interest rates. The choice is practical but narrow: users who want another payoff strategy will need a different tool.
Users enter debts manually, log payments, review payment history, set reminders, and track progress toward a debt-free estimate. The app also tracks money owed to the user, not only money they owe. Manual entry avoids sharing bank credentials, but keeping balances current is the user's responsibility. Offline access is useful for reviewing or updating a plan without a connection.
Debt records remain on the iPhone and in the user's private iCloud rather than being sent to the developer's servers. Purchases, analytics, and diagnostics use service providers. The browser calculators run without an account, and their inputs are not sent to analytics. Printed-plan QR codes and older shared-plan links can include debt names and plan numbers in the URL, so users should take care when sharing or printing plans.
The app is available in 13 languages. It is made by independent iOS developer Linas Nutautas, with support handled through the app's App Store listing.
Pricing
The Free plan costs nothing and covers up to three debts, payment logging, reminders, and a debt-free estimate. It is a useful starting point for a small set of balances, but anyone managing more than three debts needs a paid plan.
Premium monthly costs $4.99 a month, billed monthly. It removes the debt limit and adds strategy comparison with exact payoff order, advanced statistics, and PDF reports. This is the straightforward option for users who want the full feature set without an annual commitment.
Premium yearly costs $29.99 a year, billed yearly, and includes the same unlimited debts, exact payoff-order comparisons, advanced statistics, and PDF reports. It includes a 7-day free trial. For someone prepared to pay annually, it costs less over a year than twelve monthly payments; the monthly plan is the more flexible choice. The free plan gives up unlimited tracking, advanced statistics, PDF reports, and exact payoff-order comparison.
Platforms
The app requires an iPhone running iOS 26 or later. There is no Android version, which rules it out for Android users and people with older iPhones. The website also provides browser-based calculators, but these are not a substitute for the app's payment tracking. The app works offline.
Who it's for
Choose it if you use a compatible iPhone, are comfortable entering debts yourself, and want a focused tracker with reminders and a choice between snowball and avalanche. It is also a reasonable fit for someone who wants debt records kept on their device and private iCloud rather than on the developer's servers.
Look elsewhere if you need automatic bank syncing, Android support, a payoff method beyond snowball and avalanche, or room for more than three debts without paying. The app does not provide lending or debt-settlement services.
Pros and cons
Pros: Payment history, reminders, progress tracking, and a debt-free estimate keep a manual plan actionable.
Pros: Snowball and avalanche comparisons offer two distinct ways to prioritize balances.
Pros: Offline access and records stored on the iPhone and in private iCloud suit users who prefer local control over bank-linked tracking.
Cons: Manual debt entry means users must maintain accurate balances themselves.
Cons: The free plan stops at three debts, and unlimited tracking requires a paid subscription.
Cons: The iOS 26 minimum, lack of Android support, and two-strategy limit exclude some users.
Cons: QR codes on printed plans and older shared-plan links can expose debt names and plan numbers in their URLs.
Alternatives
Undebt.it is worth considering if Android or web access matters: its free plan includes a core debt payoff planner and a free snowball calculator, and it also offers a 30-day trial of Undebt.it+.
Debt Ladder is another option for Android users; its free plan covers up to three debts, a monthly check-in, a debt-free date, and reminders.
Payoff may suit users who want an AI coach alongside snowball and avalanche planning; its free plan includes two debts and five AI coach messages per month.
Debt Payoff Planner is a cross-platform alternative for people who need Android or web access, with a free plan and a Pro plan from $2 a month.
Monnelia is another freemium option available on Android, iOS, and web.
FinEase Advocate Portal is a web-based option for people who need lender access, AFCA tools, or reporting and analytics.
Toffee runs on Android, iOS, and web and offers unlimited debts with snowball and avalanche plans on its $4.99 a month Pro plan.
Debt Organizer is a free iPhone and iPad app for users who want an iOS and macOS option; it requires iOS 26.2 or iPadOS 26.2 or later.
For a broader set of options, browse Debt Management Software.
Verdict
Debt Payoff Planner: Tracker is a sound choice for compatible iPhone users who want manual control, payment reminders, and a clear comparison of two common payoff strategies. The free plan is enough for up to three debts; larger plans gain unlimited tracking and reporting with Premium. Choose another planner if you need Android, bank syncing, or a wider range of payoff methods.
Verdict
This is a manual debt-planning tool with payment tracking, reminders, and two payoff strategies. Check the iOS requirement and debt limit before choosing a plan.
Where Specifiction places it
- Debt Management Software#2 of 238.8
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