This page is designed to help you find out whether Debt Payoff Planner is good and if it is the right choice for you.
Debt Payoff Planner is a debt payoff app for iPhone. Enter your loans, credit cards and other debts, compare the snowball and avalanche methods, see your estimated debt-free date, and record every payment. It does not connect to your bank: you enter debts manually and your records stay on your device. No account is required and the app works offline.
What it does: track debts you owe and money owed to you. Log payments with a principal vs interest breakdown. Reminders before due dates. Snowball (smallest balance first) and avalanche (highest interest first) comparison with debt-free date and estimated interest. Statistics, progress milestones and PDF reports. Loan calculator. 13 languages.
Free: up to 3 debts, payment logging, reminders and the debt-free estimate. Premium ($4.99 per month or $29.99 per year with a 7-day free trial, US prices) adds unlimited debts, strategy comparison with the exact payoff order, advanced statistics and PDF reports.
Free web calculators (debt payoff, loan, credit card) in English, German and Polish at debtpayoff.app use the same calculation as the app.
Listed in
No Account Required
Enter debts manually. No sign-up, no bank login, data stays on your device
Works Offline
Debts, payments, reminders and payoff plan need no internet connection.
Debt Tracking
Loans, credit cards, mortgages and custom debts with balance, rate, payment and due date. Track money owed to you too.
Payoff Strategies
Snowball (smallest balance first) and avalanche (highest interest first) with debt-free date and estimated interest.
Payment Tracking
Record monthly and extra payments. Balances and progress update automatically, with principal vs interest breakdown.
Reminders and Notifications
Notifications before due dates and an overdue overview.
Statistics
Debt-free date, payment history, progress milestones and payment streak.
PDF Reports
Monthly report with every debt and payment.
Loan Calculator
Built-in loan calculator. Free web calculators at debtpayoff.app use the same math.
Support Multiple Languages
English, German, Spanish, French, Italian, Japanese, Korean, Dutch, Polish, Portuguese, Thai, Turkish, Vietnamese.
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Choose it if you want a debt payoff plan without handing over your bank credentials or creating an account. Many alternatives are budgeting platforms with a debt feature attached, or online calculators that forget your data when you close the tab. Debt Payoff Planner is a dedicated debt tracker: one place to enter debts, compare strategies, see the payoff order and debt-free date, and log what you actually paid, month after month, with reminders so nothing goes overdue. The free version covers up to 3 debts with payment logging, reminders and the debt-free estimate. Premium adds unlimited debts, the full strategy comparison with exact payoff order, advanced statistics and PDF reports.
Debt Payoff Planner does not connect to your bank and does not require an account. You enter your loans, credit cards and other debts manually, and everything stays on your iPhone. It works offline. Most debt payoff apps ask for a bank login or a sign-up first. The app compares the snowball and avalanche methods with your real numbers, shows the estimated debt-free date and interest for each, and then lets you record every payment with a principal vs interest breakdown, reminders before due dates, milestones and monthly PDF reports. It also tracks money other people owe you. Available in 13 languages, with free web calculators at debtpayoff.app that use the same calculation as the app.
People paying off one or several debts, such as credit cards, car loans, student loans, personal loans or a mortgage, who want a clear plan: which debt gets the extra money first, when each one is paid off, and how much interest the plan saves. It suits people who prefer to enter numbers themselves and keep financial data on their own phone rather than link a bank. It also works for tracking money friends or family owe you. It is not a full budgeting app and does not track spending categories.
Debt Payoff Planner is built by Linas Nutautas, a solo iOS developer, and was released on the App Store in June 2025. The idea was a debt payoff app that stays private: no account, no bank connection, data on the device. In 2026 the calculations were reworked and verified (version 1.1.4), the app was localized into 13 languages, and free web calculators for debt payoff, loans and credit cards were published at debtpayoff.app using the same math as the app.
Native iOS app written in Swift and SwiftUI. All data is stored on the device, there is no Debt Payoff Planner server and no bank integration. PDF reports are generated on the phone. The website debtpayoff.app is a static site with the same payoff calculations implemented for the browser.
We have collected here some useful links to help you find out if Debt Payoff Planner is good.
Check the traffic stats of Debt Payoff Planner on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
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Check the "Domain Authority" of Debt Payoff Planner on MOZ. A website's domain authority (DA) is a search engine ranking score that predicts how well a website will rank on search engine result pages (SERPs). It is based on a 100-point logarithmic scale, with higher scores corresponding to a greater likelihood of ranking. This is another useful metric to check if a website is good.
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