Debt Tracker: Payoff Planner

Klaus Apps

In-app purchases

About this app

Debt Tracker: Payoff Planner helps you pay off debt faster with a clear plan. See your exact debt-free date, compare Debt Snowball vs Debt Avalanche, and track every payment until your balance hits zero.

Stop guessing. Start with a real debt payoff plan in under a minute.

Debt Tracker is the debt payoff planner that shows you exactly when you'll be debt-free and how to get there faster. Add your credit cards, student loans, auto loans, or any balance, and get a personalized debt repayment plan in under a minute.

HOW IT WORKS

1. Add your debts: credit cards, personal loans, medical debt, mortgage, auto loans, or any balance you want to pay off
2. Choose a debt payoff strategy: Debt Avalanche (highest interest first), Debt Snowball (smallest balance first), or Custom priority
3. Set your extra monthly payment budget
4. Get a step-by-step payoff plan with your exact debt-free date

That's it. Debt Tracker calculates interest, minimum payments, and extra payment allocation, then tells you exactly which debt to attack first and when you'll be done.

DEBT PAYOFF STRATEGIES

• Debt Avalanche: Pay off highest APR balances first to minimize total interest cost. This is the mathematically optimal strategy and saves you the most money.
• Debt Snowball: Pay off smallest balances first to build quick wins and momentum. The strategy popularized by Dave Ramsey that keeps you motivated.
• Custom Priority: Choose your own payoff order based on what matters most to you.
• Compare all strategies side by side and see the exact difference in dollars saved and months to debt-free.

FEATURES

• Debt-Free Date Calculator: See your exact payoff date based on your real balances, APRs, and payments. Not an estimate, a real projection updated with every payment you make.
• Step-by-Step Payoff Plan: Know exactly which debt to focus on, how much minimum to pay on each, and how much extra goes to your target debt each month.
• Extra Payment Simulator: Ask "what if I paid $50, $100, or $200 more per month?" and see how it moves your debt-free date and how much interest you save.
• Payment Tracking: Log every payment you make. Track minimum payments, extra payments, and see your running balance update in real time.
• Monthly Financial Reports: Track your progress month by month with projected interest, debt reduced, interest avoided, and coach insights.
• Timeline Projection: Visualize your total balance trending toward zero over the coming months.
• Streaks & Achievements: Build payment streaks and unlock milestones as you pay down debt. Stay motivated on your debt-free journey.
• Smart Coaching: Personalized insights based on your payoff progress with recommendations to accelerate your plan.

SUPPORTED DEBT TYPES

• Credit Cards (Visa, Mastercard, Amex, Discover, store cards)
• Student Loans
• Auto / Car Loans
• Personal Loans
• Medical Debt
• Mortgage
• Tax Debt
• Any other loan or balance

BUILT FOR REAL RESULTS

Every dollar you pay is tracked. Every interest charge is calculated. Debt Tracker uses your actual APRs, minimum payments, and extra payment budget to project when each debt will be paid off, so you always know exactly where you stand on your debt-free journey.

Whether you have $5,000 in credit card debt or $50,000 across multiple loans, Debt Tracker builds a repayment plan that fits your budget and helps you save on interest.

YOUR DATA STAYS PRIVATE

All your financial data is stored locally on your device. No account required. No data sent to servers. You control your information.

FREE TO START

Add up to 3 debts, choose a payoff strategy, and see your debt-free date, completely free. Upgrade to Pro for unlimited debts, strategy comparison, monthly reports, extra payment simulator, and coaching insights.

Start your debt payoff plan today. Every payment gets you closer to debt-free.

Ratings and reviews

Debt tracker Really helpful app! Keeps all my debts and payments organized in one place. Simple, fast, and stress-free. Highly recommended.

Simple, clean, and practical debt tracker. It helps me understand my progress and stay motivated to reduce my balances.

Debt planner A simple and useful app that makes tracking debt and planning payments easy—great for staying organized and motivated!

What’s new

Improved Debt Tracker and Debt Planner experience
Easier debt payoff planning and payment tracking
Better support for Debt Snowball and Debt Avalanche methods
Clearer debt-free date and payoff progress
Faster balance, loan, credit card, and debt tracking
Performance improvements and bug fixes