Questions about the app and your plan

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.

No. They are two different apps from two different developers. Debt Payoff Planner & Tracker is by OxbowSoft, and its App Store id is 1009323715. Debt Payoff Planner: Tracker, the app on this site, has the id 6744280524. Both App Store web addresses use debt-payoff-planner-tracker, so check the id at the end.

Debt Payoff Planner: Tracker never connects to your bank and needs no account. It is free for up to 3 debts, and Premium is an optional subscription on iPhone. It supports the snowball and avalanche methods, works offline and is also on Google Play for Android. Another app fits better if you want a web app (Undebt.it) or a one-time purchase on iPhone (Debt Descent). Our guide to the best debt payoff apps for iPhone compares seven apps.

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.

Yes, on Android. Lifetime Premium is a one-time purchase on Google Play, not a subscription. On iPhone, Premium is a subscription, monthly or yearly, and the App Store shows the price and any free trial. Up to 3 debts are free on both without buying anything.

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.

Yes. The app works offline on iPhone and Android, with no account and no bank link. Your debts stay on your phone.

Only snowball and avalanche. Snowball pays off the smallest balance first. Avalanche pays off the highest interest rate first. On iPhone, Premium adds a strategy comparison with the exact payoff order. On Android, snowball and avalanche plans are Premium.

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.

An independent app developer. Contact the developer through the app’s App Store listing.

Calculations run in your browser. Calculator inputs are not sent to analytics. The QR code on a printed plan and older shared-plan links contain the plan’s numbers and debt names in the URL. Anyone with that link can read them.

Snowball targets the smallest balance. Avalanche targets the highest rate. Compare the estimated costs and choose an order you can follow. Your lender’s rules and real payments can change the outcome.

No. Estimates assume fixed annual rates, monthly interest and payments made as planned. Fees, daily interest, changing rates and lender-specific rules are not included.

Not currently. The App Store and Google Play links open the app listing. They do not transfer your balances or schedule. Enter your debts in the app to track them.