{"app_store_id":1009323715,"slug":"debt-payoff-planner-tracker-1009323715","name":"Debt Payoff Planner & Tracker","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/57/a4/d6/57a4d676-de3d-0058-fc68-1907a030e2d9/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/debt-payoff-planner-tracker/id1009323715?uo=4","price":0,"currency":"USD","rating":4.73479,"rating_count":7379,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-09-26T21:16:38Z","updated_at":"2026-10-19T06:31:11.808Z","stale":false,"missing_since":null,"one_liner":"Calculates a debt free date and repayment schedule for loans, with payoff strategies, extra payment budgeting and.","verified_maker":false,"maker_site":null,"file_size_bytes":8700928,"minimum_os":"15.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/b3/d4/d6/b3d4d64f-181d-6276-bb24-5dbc60de7a4a/05f217e1-c2d9-4510-9be8-1068dfd2e40b_Screen_1.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/0f/97/81/0f97819f-3b57-c6ec-6f01-3515426e2e86/09a9ea93-7798-49d9-87d2-50a3fdb56293_Screen_2.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/26/d9/2b/26d92bd0-de9a-d2a2-8d93-c7abc30a9da8/693c7af1-64fc-4e5f-9b40-0d2b2f702b62_Screen_3.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/8a/49/3e/8a493e23-a828-52b1-e6e5-17f1d5ad9dde/ad5777e8-768f-4100-984c-01c7cdf4d805_Screen_4.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/5e/d4/b9/5ed4b91d-7d77-ab01-dcf6-02a09b761bfd/0c0878fb-fcda-4904-b4f6-008ead084fd9_Screen_5.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/6a/12/88/6a1288de-3b94-acc6-91e3-d5de2da414b9/a59fdb23-4aa5-4ae8-a1ad-96846256dca9_Screen_6.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/5d/1d/ce/5d1dce05-62f5-6d2e-d7f7-f266b48ca503/47e3ae3a-0e9a-418f-97a8-a0c5f0627cd0_Screen_7.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8b/08/a3/8b08a34b-c34b-b1bf-bff7-2e84408cbf38/084dd7dd-b92e-44fb-ab97-dcbd4f3de513_Screen_8.png/392x696bb.png"],"developer_name":"OxbowSoft LLC","editors_choice":null,"url":"https://apptierlist.com/apps/debt-payoff-planner-tracker-1009323715/","api_url":"https://apptierlist.com/api/v1/apps/debt-payoff-planner-tracker-1009323715","schema_version":"1.0","generated_at":"2026-10-20T12:21:35.777Z","data_as_of":"2026-10-19T22:37:11.537Z","description":"The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans.\n\nToday is the day to make a plan with a loan calculator and beginning paying down debt. Required inputs for calculating your debt free date are the current balance of the loan, the annual percentage rate (APR), and the minimum payment amount. That's the only requirement to getting a customized debt repayment schedule.\n\nEasy steps to becoming debt free:\n\n   - Enter your loans and debts\n   - Enter your additional monthly payment budget to pay down faster\n   - Choose a debt payoff strategy\n      * Dave Ramsey's Debt Snowball (lowest balance first)\n      * Debt Avalanche (highest rate first)\n      * Debt Snowflake (one-time extra payment toward loans)\n      * Custom debt free payoff plan\n\nDebt Payoff Planner and Loan Calculator determines the optimum payment plan and how long it will take until you will be debt free. You tell the app how much you want to budget toward paying off your debt and we'll tell you how.  We recommend the Debt Snowball strategy because we believe that paying off individual accounts faster will help you stay focused on your financial goal of debt elimination. A payoff plan is only useful if you stick with it!\n\nYour ability and willingness to pay more than the minimum payments is how you will become debt free in less time than you imagined. Budgeting your income will help you to get a regular monthly amount to pay down the debt faster. The payoff chart will show two payoff scenarios: only paying the minimum amounts, and the repayment schedule when you pay more the the minimum ever month.\n\nCreating an account enables you to have a secure backup and your information is immediately available if you start using a new device.  Getting out of debt is hard, so we try to allow you to take baby steps toward this goal.\n\nWe believe that becoming debt free requires an easy starting point and making sure every dollar is leveraged perfectly. The loan calculator has minimal inputs in order to make your money management easy to follow.\n\nThe Debt Payoff Planner and Calculator is also used for tracking payments and updating the time-frame for becoming debt-free. Inputting payment information is as simple as typing in the amount and the date the payment was made. The goal of payment tracking is to see your progress over time and affirm that you are staying focused on your financial goals.\n\nIn addition to being a debt tracker and loan calculator, we are also trying to help point out some possible next steps with articles focused on how to pay off student loans, auto loans, and credit cards faster.  Also, there is some tips on credit card balance transfers as well as strategies for debt consolidation.\n\nWe support eight loan categories:\n   * Credit Cards like Capital One, Citicard, Chase, etc.\n   * Student Loans like Navient, Sallie Mae, Great Lakes, etc.\n   * Auto/Car Loans\n   * Medical Loans\n   * Mortgages like Rocket Mortgage, SoFi, etc.\n   * Personal Loans to friends and family or other individuals\n   * Taxes like IRS or local municipalities\n   * Other category could be anything from a paycheck loan to a hard money loan\n\nIn addition to the Debt Snowball calculator and the Debt Avalanche method, many users like to do a custom sorting of their debts.  This customization is available for users that want to be their own debt manager.\n\nWe allow the ability to provide a Debt Snowflake payoff as well.  A Debt Snowflake is a one-time payment from things like a bonus at work, a tax refund, an extra payday, etc.  This additional capability allows you to have tighter control over every dollar you are budgeting.\n\nTerms of Service: https://www.debtpayoffplanner.com/terms-of-service/\nPrivacy Policy: https://www.debtpayoffplanner.com/privacy-policy/\nEnd-User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/","facts":{"developer_id":1009323714,"developer_url":"https://www.debtpayoffplanner.com","first_released":"2015-11-04T04:24:47Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"2.3.4","release_notes":"Enhanced support for iOS 27 to help you on your debt payoff journey","rating_current_version":4.73479,"rating_count_current_version":7379,"star_counts":null,"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-19T06:31:11.808Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-19T06:22:11.802Z","placed_at":"2026-10-16T15:28:48.043Z","scored_at":"2026-10-19T22:37:11.537Z"},"editorial":{"one_liner":"Calculates a debt free date and repayment schedule for loans, with payoff strategies, extra payment budgeting and.","what_is":"Debt Payoff Planner & Tracker is a Finance app that calculates a debt free date and repayment schedule from each loan's current balance, APR, and minimum payment. Users can add an extra monthly payment budget, choose a payoff strategy such as Debt Snowball, Debt Avalanche, or a one-time extra payment, and compare minimum-only payments with paying more than the minimum. The app also records payments by amount and date, and creating an account enables a secure backup and access on a new device.","good_for":["Comparing minimum payments with a higher monthly payment amount","Choosing between Debt Snowball and Debt Avalanche payoff order","Tracking loan payments and progress toward a debt free date"],"pricing":"Debt Payoff Planner & Tracker is free to download on the App Store.","faq":[{"q":"What information do I need to calculate a debt free date?","a":"The required inputs are the current balance of the loan, the annual percentage rate (APR), and the minimum payment amount. An optional additional monthly payment budget can be entered to pay down faster."},{"q":"Which loan types does the app support?","a":"The listing says eight loan categories are supported and names credit cards, student loans, auto/car loans, and medical loans. The rest of the category list is cut off in the listing text, so the remaining categories are not stated on the."},{"q":"Does the app cost money or require an account?","a":"The app is free to download and no in-app purchases are listed. The listing says creating an account enables a secure backup and makes information available when you use a new device."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T06:22:11.802Z"},"memberships":[{"list":"debt-payoff","list_name":"debt payoff","list_status":"active","list_url":"https://apptierlist.com/best/debt-payoff/","position":1,"tier":"S","score":93.4,"components":{"rating":94.4,"votes":79.2,"rank":100,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T15:28:48.043Z"},{"list":"debt-tracking","list_name":"debt tracking","list_status":"active","list_url":"https://apptierlist.com/best/debt-tracking/","position":1,"tier":"S","score":93.4,"components":{"rating":94.4,"votes":79.2,"rank":100,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T15:28:48.043Z"}],"main_list":"debt-payoff","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":162482,"at":"2026-10-18T10:57:11.694Z","kind":"tier_changed","list":"debt-tracking","app_store_id":1009323715,"app":"debt-payoff-planner-tracker-1009323715","from":null,"to":"S","reason":"score 68.4 to 93.2","job":"rescore"},{"id":162396,"at":"2026-10-18T10:27:11.692Z","kind":"tier_changed","list":"debt-payoff","app_store_id":1009323715,"app":"debt-payoff-planner-tracker-1009323715","from":null,"to":"S","reason":"score 68.4 to 93.4","job":"rescore"},{"id":128068,"at":"2026-10-16T15:28:48.043Z","kind":"membership_added","list":"debt-tracking","app_store_id":1009323715,"app":"debt-payoff-planner-tracker-1009323715","from":null,"to":"active","reason":"Users enter loans, balances, APRs and minimum payments and track progress toward becoming debt free (tracker in the name).","job":"shadow"},{"id":128067,"at":"2026-10-16T15:28:48.043Z","kind":"membership_added","list":"debt-payoff","app_store_id":1009323715,"app":"debt-payoff-planner-tracker-1009323715","from":null,"to":"active","reason":"Builds a step-by-step payoff plan with snowball, avalanche, snowflake and custom strategies, plus a debt-free date.","job":"shadow"},{"id":118800,"at":"2026-10-16T03:49:51.804Z","kind":"app_added","list":null,"app_store_id":1009323715,"app":"debt-payoff-planner-tracker-1009323715","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"debt-payoff","list_name":"debt payoff","status":"active","review_status":"checked","position":1,"tier":"S","score":93.4,"components":{"rating":94.4,"votes":79.2,"rank":100,"recency":100},"ranks":[{"country":"us","rank":1},{"country":"gb","rank":1},{"country":"ca","rank":1},{"country":"au","rank":1},{"country":"de","rank":1}],"verdicts":[{"verdict":"keep","reason":"Builds a step-by-step payoff plan with snowball, avalanche, snowflake and custom strategies, plus a debt-free date.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T15:28:48.043Z","attempts":1,"current":true},{"verdict":"keep","reason":"Its core purpose is building a payoff plan with snowball/avalanche strategies and per-debt payment schedules.","verifier":"list check","decided_at":"2026-10-16T15:28:48.043Z","attempts":1,"current":true}]},{"list":"debt-tracking","list_name":"debt tracking","status":"active","review_status":"checked","position":1,"tier":"S","score":93.4,"components":{"rating":94.4,"votes":79.2,"rank":100,"recency":100},"ranks":[{"country":"us","rank":1},{"country":"gb","rank":1},{"country":"ca","rank":1},{"country":"au","rank":1},{"country":"de","rank":1}],"verdicts":[{"verdict":"keep","reason":"Users enter loans, balances, APRs and minimum payments and track progress toward becoming debt free (tracker in the name).","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T15:28:48.043Z","attempts":1,"current":true},{"verdict":"keep","reason":"Users enter their debts and track progress paying them off, which is the main use of the app.","verifier":"list check","decided_at":"2026-10-16T15:28:48.043Z","attempts":1,"current":true}]}]},"data_version":38880,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/debt-payoff-planner-tracker-1009323715/"}}