Debt Payoff Planner: Tracker Finance app for iPhone and Android

Debt Payoff Planner: Tracker for iPhone and Android

Debt Payoff Planner: Tracker is an app for iPhone and Android for tracking debts, recording payments and comparing snowball and avalanche payoff plans.

No bank link
No account
Works offline
Free for up to 3 debts

Try the free calculator

Premium is optional. On iPhone it is a subscription, monthly or yearly, and on Android Lifetime Premium is a one-time purchase. The App Store and Google Play show the price in your currency.

Not the same app as Debt Payoff Planner & Tracker by OxbowSoft (App Store id 1009323715).

Debt overview screen with a car loan balance of $12,435.99 and 22% of principal paid.

Screens from the iPhone app

Payoff plan screen. Regular payments end in Feb 2030, highest interest first ends in May 2028. — **Payoff plan** Pick smallest balance or highest interest first and see the month you finish.

Record Payment screen with the payment date, payment type and a $350 monthly amount. — **Record a payment** Log a monthly or extra payment on the day you paid it.

Statistics screen with an estimated debt-free plan of February 2030 and 32% principal progress. — **Statistics** Your estimated debt-free month and how much principal you have paid.

Achievements screen with a 335-day streak and milestones such as First Debt Cleared. — **Achievements** Streaks and milestones like your first debt cleared.

Monthly Report PDF with total debt remaining, a debt breakdown and this month's payments. — **Monthly report** A PDF summary of balances and payments.

Features on iPhone

Track money you owe and money owed to you.
Record payments and review your payment history.
Compare snowball and avalanche payoff plans.
Set payment reminders and follow your progress.
View statistics, milestones and PDF reports.

Free and Premium

Free

On iPhone, free download on the App Store.

Up to 3 debts
Payment logging
Reminders
Basic statistics
Debt-free estimate

Premium

Subscription

On iPhone, monthly or yearly. The App Store shows the price in your currency and any free trial.

Unlimited debts
Strategy comparison with the exact payoff order
Advanced statistics
PDF reports

On Android, the app is free for up to 3 active debts, with payment tracking, reminders, the loan calculator, basic statistics and backup and restore. Snowball and avalanche plans are Premium. Lifetime Premium is a one-time purchase, not a subscription.

The App Store and Google Play show the price in your country before you pay.

Platform

Device: iPhone and Android phones
iPhone: iOS 26 or later, on the App Store
Android: On Google Play
Account: Not needed
Internet: Works offline
Languages: 15 languages
English
Dutch
French
German
Italian
Japanese
Korean
Norwegian Bokmål
Polish
Portuguese
Spanish
Swedish
Thai
Turkish
Vietnamese

Privacy

No bank connection: You type in each debt yourself. The app never asks for a bank login.
No account: There is nothing to sign up for. Purchases go through your Apple Account or Google Play.
Only on your phone: Your records stay on your iPhone or Android phone. They never go to the developer’s servers.

Purchases, analytics and diagnostics use service providers. Read the app privacy policy

Questions

All questions

What is Debt Payoff Planner: Tracker?

An app for iPhone and Android for recording debts and payments, comparing payoff strategies and following progress. It is a planning and tracking tool, not a lender or debt settlement service.

Do I need an account?

No separate app account is required. Apple handles App Store purchases using your Apple Account, and Google Play handles purchases on Android. The website calculators also work without an account.

Is it free?

The app is free to download and use with up to 3 debts. On iPhone, the free version includes payment logging, reminders, basic statistics and the debt-free estimate, and Premium (unlimited debts, strategy comparison with the exact payoff order, advanced statistics and PDF reports) is a subscription, monthly or yearly. On Android, the free version covers up to 3 active debts with payment tracking, reminders, the loan calculator, basic statistics and backup and restore. Snowball and avalanche plans are Premium there, and Lifetime Premium is a one-time purchase. The App Store and Google Play show the price in your currency. The calculators on this website are free.

Can I use it on Android?

Yes. Debt Payoff Planner: Tracker is on Google Play for Android phones and on the App Store for iPhone with iOS 26 or later. On Android it is free for up to 3 active debts, with no ads, no account and no bank connection, and your data stays on the phone. Snowball and avalanche plans are Premium on Android, and Lifetime Premium is a one-time purchase, not a subscription. The website calculators work in any modern browser.

Guides

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