Debt Payoff Planner: Tracker is a simple debt payoff planner and debt tracker. Build a plan to pay off debt and follow it month by month. Add your credit cards, loans and other debts, record payments, and see your estimated debt-free date. No account, no bank connection and no ads: your records stay on your phone.

WHY A DEBT PAYOFF PLANNER
Paying off several debts at once is hard to keep in your head. Which card should get the extra money this month? When will the car loan end? How much interest is still ahead? This planner answers these questions in one place, so you can stay organized, pay less interest and watch your balances go down every month.

PLAN YOUR PAYOFF (PREMIUM)
• Compare the debt snowball (smallest balance first) and debt avalanche (highest interest first)
• See how an extra monthly payment could change your debt-free date and total interest
• Get a clear payoff order that shows which debt gets extra money first
• Read a short explanation of each method before you choose

TRACK EVERY DEBT
• Credit cards, car loans, student loans, personal loans, medical bills and more
• Record regular and extra payments on the day you pay
• Estimated remaining interest and final payment date for each debt
• See how each payment splits into interest and principal
• Track money others owe you, separately from what you owe
• Organize debts with categories, notes and over 280 currencies

SEE YOUR PROGRESS
• Payment history for the last 12 months
• Quick statistics: active and completed debts, highest interest rate, next payment due
• Estimated debt-free date and principal progress across all debts (Premium)
• Completed debts stay in your history, so you can see how far you have come

MORE TOOLS
• Loan calculator: monthly payment, payoff time, interest, fees and total cost of a loan before you sign
• Payment reminders a few days before a due date, with an optional overdue reminder. Reminders never show amounts.
• Encrypted backup and restore, protected with a password you choose, so you can move to a new phone without losing your history
• PDF reports of your balances and payment history, ready to print or share (Premium)

PRIVATE BY DESIGN
• No sign-up and no account
• No bank login: you enter each debt yourself
• Your debts and payments stay on your phone and work without an internet connection
• No ads

FREE AND PREMIUM
The free version includes up to 3 active debts, payment tracking, reminders, the loan calculator, basic statistics, and backup and restore, with no time limit.
Lifetime Premium is a one-time purchase, not a subscription. It adds unlimited active debts, snowball and avalanche plans with extra payments, your estimated debt-free plan and forecasts, and PDF reports.

AVAILABLE IN YOUR LANGUAGE
English, German, Spanish, French, Italian, Portuguese, Dutch, Polish, Turkish, Swedish, Norwegian, Indonesian, Japanese, Korean, Traditional Chinese, Thai and Vietnamese.

GOOD TO KNOW
Debt Payoff Planner: Tracker is a planning and tracking tool. It is not a lender and does not give financial advice. Forecasts are estimates based on the information you enter, and your lender's figures may differ.