Debt Tracker: Payoff Planner

Crush your debt faster with a smart debt payoff planner, debt tracker, Snowball & Avalanche calculator, and exact debt-free date. Create a personalized payoff plan for credit cards and loans, compare the Debt Snowball and Debt Avalanche methods, track every payment and see your projected debt-free date. Use the built-in debt payoff calculator to see how extra monthly payments can reduce interest and shorten your repayment timeline. 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. Start your debt payoff plan today. Every payment gets you closer to debt-free.