Debt Payoff Tracker App
See the payoff path, then keep it honest with your statements.
$7.99 $15.98
Build a private payoff workspace through a five-step setup, start manually, explore a non-saving sample, or inspect an existing backup before restore. Compare snowball, avalanche, monthly card-utilization focus, and your own order using identical balances and monthly money. The deterministic integer-cent engine handles fixed or percent minimums, promo APR expiry, final-payment clamps, exact shortfall diagnosis, and closed-debt rollover, then builds a complete amortization to zero. Reconcile actual payments and ending statement balances each month so plan-versus-actual history stays visible and the forward estimate rebuilds from reality. Includes calendar, schedule, Progress, four temporary scenarios, card utilization, local activity history, searchable help, four CSV reports, complete JSON recovery, and an eight-page buyer guide. It also exports a working spreadsheet (.xlsx) whose totals are live formulas over your own rows, so it keeps answering questions in Excel or Google Sheets after it leaves the app.
What is inside
- Atomic five-step Guided Setup plus Manual, non-saving Sample, and inspected Restore starts
- Four payoff orders compared with estimated month, elapsed time, and total interest
- Integer-cent half-even math with fixed or percent minimums and exact money-conservation checks
- Statement-based monthly reconciliation with frozen plan-versus-actual history
- Full payoff map: payment, interest, principal, ending balance, promos, and rollovers
- Payment calendar with due-day month-end clamping and promo-expiry alerts
- Exact minimum-progress diagnosis, 0% promos, credit limits, and a 1,200-month safety cap
- Scenario Lab: recurring extra, windfall, APR negotiation, and consolidation sketch