Payoff — Debt Tracker

About this app

Pay off what you owe, one month at a time. Payoff turns your debts into a plan you can actually follow: what to pay, on which debt, this month. Tick each one off as you pay it, and watch the debt-free date come closer. THIS MONTH'S PLAN Every month, Payoff works out exactly what to put on each debt. Log a payment in two taps — the minimum, the planned amount, or the lot — and the plan updates itself. SEE WHAT YOU'RE SAVING Your plan against paying minimums only, side by side: the years and the interest you avoid. Drag the extra-payment slider to see what another $50 a month would do. EVERY STRATEGY, COMPARED Avalanche, Snowball, Hybrid, Cash-flow first and Promo deadline — for 0% and intro rates. Best plan for me runs all of them on your actual debts and tells you which wins, and why. PROGRESS WORTH WATCHING How much you've paid off, your debt-free countdown, whether you're ahead of plan, and every payment you've logged. Each debt gets its own progress bar. NEVER MISS A DUE DATE Reminders a few days before each debt is due, at a time you pick. ON YOUR HOME SCREEN A widget with your debt-free countdown, so your progress is there without opening the app. WORTH SHARING Turn your debt-free date into a card for Stories, or celebrate a debt you've cleared. Hide the amounts if you'd rather not show the numbers. YOURS, AND PRIVATE No account, no ads, no analytics. Your debts never leave your phone. Lock the app with Face ID, pick from 16 currencies, and switch to dark mode. FREE, OR PREMIUM Free for three debts, with Avalanche and Snowball, this month's plan, payment logging, progress, the minimums comparison, share cards, the widget, currencies, dark mode and Face ID. Payoff Premium is a one-time purchase for unlimited debts, Best plan for me, the other three strategies, custom order, the extra-payment simulator, due-date reminders and CSV export. No subscription.

Payoff 2.0 turns your plan into a monthly habit. • This month's plan: exactly what to pay on each debt, ticked off as you log payments • Progress: % paid off, your debt-free countdown, and whether you're ahead of plan • Minimums vs your plan: see the interest and years your plan saves • New plans: Hybrid, Cash-flow first and Promo deadline (for 0% and intro rates) • Best plan for me: every plan run on your debts, with a winner • Due-date reminders • Home screen widget with your debt-free countdown • Share cards for Stories: your debt-free date, and "Paid off!" for every cleared debt • 16 currencies, dark mode and Face ID lock • Custom order now has real drag-to-reorder, and CSV export works on your phone

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1. First observed Oct 13, 2026 · 2:57 AM Free