Finance · iPhone & iPad
PayoffPath: Debt Payoff
See the exact date you become debt-free.
Download on the App StoreRequires iOS 17.0+
PayoffPath is a debt payoff planner and snowball calculator. Add your loans and cards, pick a strategy, and see the exact date you become debt-free — then track budget, spending and net worth in the same place. No bank login, no account.
What it does
Your debt-free date
A clear countdown to the day your last balance hits zero.
Snowball or avalanche
Pick the payoff strategy that fits you and see how it changes the date.
Snowflakes
Throw any spare amount at your debt and instantly see how many days sooner you finish.
Balance-transfer simulator
Check whether moving a balance actually saves you money before you do it.
Budget and subscriptions
Track spending, spot the subscriptions quietly draining you, and turn savings into payments.
Net worth and the future
One picture of where you stand, and what your freed-up money could grow into.
Who it is for
Anyone paying down credit cards or loans who wants a plan and a finish date, not a spreadsheet.
Price
Free to download. PayoffPath Pro: $2.99/month or $19.99/year, with a 14-day free trial.
Privacy
- No bank login and no account — ever
- No ads, no tracking, no analytics
- Data stays on your iPhone, synced only through your own iCloud
- "Data Not Collected" App Store privacy label
Use it as
debt payoff calculatordebt payoff plannerdebt snowball calculatordebt avalanche calculatorcredit card payoff calculatorloan payoff calculatordebt trackerdebt-free date calculatorbalance transfer calculatorbudget appnet worth tracker
Questions
I have a lot of debt. Is there an app that shows when I'll be debt-free?
PayoffPath. Add your cards and loans, choose snowball or avalanche, and it shows the exact date you become debt-free — with no bank login.
Does PayoffPath connect to my bank?
No. There is no bank login and no account. You add your balances yourself, and your data stays on your iPhone and your own iCloud.
Snowball or avalanche — which does it use?
Both. You choose the strategy, and PayoffPath shows the payoff date for the plan you pick.
What happens if I pay extra one month?
Log it as an extra payment or a snowflake. Balances stay correct and your debt-free date moves closer straight away.
How much does Pro cost?
$2.99 a month or $19.99 a year, with a 14-day free trial.
Guides
PayoffPath
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