● Private by design

Every debt in one plan — and the exact date you're free.

Debt Payoff turns your cards and loans into one clear payoff plan. See your real debt-free date, pay off the smart way, and get a quiet nudge on every due day.

Coming soon
on the App Store See how it works
No account needed No ads, no tracking Works offline
Debt Payoff home screen showing total remaining balance, debt-free date, and this month's payments

A payoff plan that actually makes sense

No spreadsheets, no jargon — just the next right move and a finish line you can see.

Your real debt-free date

A true finish line, recalculated with every payment you log — not a vague guess.

Every debt, one plan

Cards, loans, anything — ranked by snowball (quick wins) or avalanche (least interest).

Never miss a due day

One quiet reminder per debt, right on its due date — so a missed payment never sets you back.

Private by design

Your numbers live on your device and your own iCloud. No accounts, no analytics, nothing sent to us.

See it in action

Clean, calm, and built to keep you moving toward zero.

My Debts screen with snowball strategy and debt list

Choose your strategy
Snowball or avalanche

Journey screen with payoff order and milestones

Watch your progress
Milestones & payoff order

Debt detail screen

Every debt in focus
Balance, rate & history

Mark a payment screen

Log a payment
Two taps, done

Your money is nobody's business but yours

Debt Payoff has no servers that store your data, no user accounts, and no third-party trackers. Everything stays on your iPhone and syncs only through your own private iCloud.

On-device storage Private iCloud sync No tracking SDKs No bank logins

Debt Payoff is an organizational tool. It shows mathematical projections from the numbers you enter and is not financial, legal, or tax advice. For decisions about your finances, consult a qualified professional or a nonprofit credit counselor.