Debt Planner & Calculator

Contains adsIn-app purchases
337 reviews
Content rating
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About this app

A beautiful, simple-to-use debt calculator and a monthly finance planner!

What this app does: Organizes and plans out your debt. Tells you HOW long it will take to get out of debt with some basic monthly details. Up to SIX (6) debts supported * and four (4) payoff strategies -- not including the debt snowball method which can be turned on for each.

As of March 2017 we have added a place to add Bank Accounts and manage your account ledgers! (As always, NO personal information required -- and we do NOT connect to your any accounts!). Enter each checking or savings account transactions manually and keep track of how much cash you have on hand! We have added a new Dashboard to keep track of your total debt, total cash, and upcoming payment reminders!


- We allow for Fixed or Variable payments.
- Monthly payment reminders in your device status bar (requires the app permission "When reboot is finished")
- Auto backup and restore!
- Export monthly planner to .csv, file.

NOTE: There is an optional in-app purchase that will unlock (1) removing ads, (2) allow for unlimited debt, (3) allow for unlimited bank accounts, and (4) gives you access to custom monthly payments. This way you do not need to upgrade to a brand new app for more features. This small charge will support future development to this app.


This app is designed for those who have a basic idea of what they need to pay this month. We will determine the rest based on your options. There is no option to tell us your budget.

Rather than giving us a lump-sum payment amount, THE USER WILL DECIDE how much to pay in the first round of payments FOR EACH CARD. Not the minimums, but your actual planned payments. We will then take those numbers and make the needed adjustments as time goes on. In this way, you have greater flexibility to manage over your debt. You can play with the numbers to tweak your own plan.

NOTE: This app does not support bi-weekly payments (only monthly).



Debt Planner will provide you with a quick, simple way of calculating different aspects of your current debt including the time it will take to pay off, the total interest fees over the lifetime of the debt, your current APR fee, and more! Whether it is credit cards, auto loans, personal loans, you can calculate it. It will also factor in potential balance transfer fees and promotional rates as well!

Calculations in this app are very accurate. Remember, if you feed it bogus numbers, you might get a bogus answer! It can only contain so many built-in protections!

Disclaimer: Debt Planner will simply give an approximate amount of time (in months) that you will be debt-free. There are many real world factors that will put you at a different end-date. In order to meet the formulated date, you must try to pay as close to your specified monthly payment goal as possible.

All File Access Permission (Android 11+)

We create a database file(.db) of the debt records you entered and store it to file storage of your device and the same file is used to fetch debt data and display inside the app. Also, we send this file as a backup to the cloud/server for future use in case you change your mobile device.

Starting from Android 11 and above, we cannot access file storage on your device. So we are asking for “All File Access” permission only for Android 11+ users to store and access this backup file from your device for seamless flow of the application. This file is located on your device at internal storage /debt_planner/backup/debt.db (please do not delete or modify this file manually). For Android 11 and above users, we urge you to give “All File Access” permission when prompted to enjoy a seamless experience.
Updated on
May 31, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
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Ratings and reviews

316 reviews
A Google user
April 19, 2020
This app is great! I especially love seeing the month over month amortization! Plenty of options. It keeps me motivated! So far I have paid off half of my debts in a few months of using this app. I do however find one problem with it, the reason I'm giving 4 stars and not 5. The payments seem to randomly jump up after all debts have been snowballed already. If you could explain why I may be able to change it to a 5 star rating out of misunderstanding. Thanks so much!
17 people found this review helpful
Did you find this helpful?
June 17, 2020
Thank you for your kind feedback. We are aware of this problem and are currently working on solving it. Please update your app to the latest version when you see an option.
Ronnie Miranda
October 16, 2020
Love this app very useful easy to use. Had a technical issue with the number of characters I had in my password emailed tech support they responded quickly and it was fixed. Must have if your trying to payoff debts and be able to track what you owe. Need a bank ledger for checking and savings it has it. I have multiple accounts and it works seamlessly. I use this app daily.
11 people found this review helpful
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October 16, 2020
Thank you for your positive feedback. We are happy that our service is on par and that we could resolve your query quickly :) .Kind words from users like you motivates us to keep making the app better!
A Google user
April 18, 2020
Excellent app that not only helps you budget but shows you the quickest way to pay off your debt. Calculated the actual amount saved and the date I'd pay off my debt by just making an extra payment occasionally and how adding $25 pymt to my cc pymt saves me hundreds more in interest. Gave me incentive to pay off my debt faster. Also love that I can export to Excel. Great tool that compliments Dave Ramsey's FPU and Budget Mom Goals. Upgraded and its soooo worth it! Thank you!!
14 people found this review helpful
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October 8, 2020
Thank you so much for your review!

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