Debt Payoff Pro App Reviews

Let us add extra payments on different days. Works awesome. Minor set back is I get paid twice a month and try to make payments twice a month to become debt free. I wish I could add an extra payment for a month by being allowed to change payment dates.

debt entry. needs to be updated - interest rates change and you cant change it you have to delete entire debt and reinput. then that will ness everthinh else up using a different date. cant even edit a name. probably will quit using. no place to put in a note for a debt. Is no field to enter an introductory rate and date range that the rate will last. cant even manually change an already entered debt you must delete it these are pretty vital and standard things to keep track of so disappointing

Needs more. Needs a change for how often you want to make payments ~ seems like it only has month to month view, I would like the option of weekly or biweekly ~ but the layout is awesome and simple I like it

Can’t reset payment dates. I like this app however I wanted to start over because I had the wrong figures listed. I haven’t been able to find a way to reset the payment dates. All of the payment due dates have passed already. My dates are starting at March of 2020 and we are in August.

Awesome. I been looking for an app that does the snowball method, finally after two looking is finally here. Amazing App, everything you need to get off out debt is in the App. Dates, projection, and I love the Pie chart avaialable where you can track your progress. A great feature would be a reminder once a debt is paid off, congratualting the user of the progress. I am pleased to have bought the App, and I will recommend it to familly and friends.

Ok app, it’ll do. It’s all fine and dandy, however. I wish I could change to weekly payments instead of monthly

Same as free version. I’m not sure what you even get different in the paid version so that’s disappointing. Nothing really calculates right - it’s not showing me interest saved or months shaved off my mortgage. It’s basically an excel sheet, the least they could do was number the payments so you knew how many you had left.

Simple App. Would give higher Rating if App was setup to do more than one Plan at a time, majority of users have mortgage and Auto loan at a minimum!

Needs a lot of work to edit and make useful. After using for almost a year I feel it was a waste of time and money. I feel it is a useless waste of time using it.

Really like this. Seems to work the best of the different ones Ive tried. Two issues I dont like, any changes to the regular overpayment amount you make require all payment history be erased-you have to manually re enter it all. Second, any changes to this regular overpayment amounts do the same thing and apply it to all payment dates from start to finish, so you cant make adjustments because it whacks out everything done in the past. I guess you could just start it over from where you are when you adjust without keeping your history...

I like it, but it needs minor improvements. Only had it a few days, but seems that it doesn't show you total minimum monthly payment, total planned monthly payment, total monthly interest you are paying... (that's a motivator)!. Great charts and generally a great app design, just needs to add a few features I'm used to having in another tracker app that is no longer available.

Perfect. Excellent! It does everything I would expect and more. Thank you.

I like it generally. Wish it allowed weekly payments or some other structure rather than just monthly only.

Excellent. Excellent little app, like it so far😍, everything I need on there, love the graphic pic, motivating, gives me a good financial picture of where Iam at, how Iam making things move.

Helpful and useful app! Rated #1. This is a great app. It’s been available for a long time, since the early days of the iPhone. It helped me to become debt free before, and now due to unfortunate health expenses I find myself needing it again. You never know what life may bring in terms of hardship. This will help you fix it and become free of the blood sucking interest charges.

Not impressed!!!!!!. Not much different from the free version!! It could use improvements, a lot of improvements!!!

Needs more options. I would like to be able to enter a custom amount each month in case I can’t pay the original snow ball amount, like have on input of “actual payment made”. Then this would be the perfect app!!

Carlos. Please FIX IT or take it out of the market. Be honest with customers. Give them a good product; not this joke app.

Not helpful at all. After entering all of my debts the reports shows very little detail and offer very little help in terms of playing out different scenarios. Very very unhappy that I bought this.

Help. How do I like this to different devices

Great App, but…. I enjoy this app and find it very helpful, but it doesn’t account for income, making the last few months of each debt under the snowball method unrealistically large and difficult to manage. Switching between the snowball method and non-extra payments is also inconvenient, as it requires users to re-mark paid months, and it only allows checking off three months at a time. If I’ve already marked six months as paid and switch from non-snowball, it resets all my progress. While I can work around this by updating the remaining balance manually, it would be much more convenient if the app offered an option to preserve already marked paid months.

Just needs one little fix. Great app for those that are working that debt snowball! The app just needs one little tweak in the area of mortgages as debt. It does not account for escrow, only principal and interest. If you put your payment in as the total including your escrow, it puts the extra money towards your principal, which gives you the false sense of paying off the mortgage early. So I can only give three stars at this time because I feel like my mortgage is valid debt...thanks!!!!

What’s the difference. I’ve been using the free version for a few months and liked it. I bought the upgraded version for .99 and I don’t see what the difference is. What did I pay extra for? I would love the ability to move my debts around without deleting them. I like them to be in order by dollar amount, not in the order on which I added them.

Good but not great. I like this app and the ease of use, but wish the dates were accurate. I have dates that are “future payoff dates” that are 4 months old. How do you fix that? Even re-entering all the information doesn’t get it current.

Its ok. It gives you an idea of when your pay off date will be using the snowball method. My issue is, despite putting in the correct interest rate for every bill, it didn’t calculate my new balance correctly after making the payment. And when I edited it to put in the correct new balance after payment it treats it like you never made the payment so... it useless to me in keeping accurate balances.

Very helpful app. I’ve been using this app for years and I absolutely love it. It has helped me to plan my spending budget and not forget when to pay these bills. It feels great when I’m able to highlight the last payment I need to make. I love that I can run reports and that I can access the same information on both my iPhone and iPad. Keep up the great work.

Making a payment. App is great except, I have no place to put a payment when I make a extra payment or pay off early?!?!?!

Not Accurate. It’s not calculating the payments correctly. Example: saying it’s paying off three bills in July 19 with more money than I have allotted. Bill1: $145, min payment $29. Bill2: $221, min payment $43. Bill3: $845, min payment $48. Snowball monthly amount $688. With this setup bill3 shouldn’t be paid off until Aug 19 not Jul 19. This also throws off the rest of the payments for my other bills as well. Other apps and computer spreadsheet works flawlessly. Also, why isn’t there a sync through iCloud or DropBox for other iOS sync capabilities.

Month change. How do I change the month of the payment? The software is about three months behind.M

Great App. This really helps to plan for debt payoff. Would be nice to be able to add a one-time extra payment and see how that effects the payoff date. I’d like to see that in the next update. Would give it 5 stars if that were an option

Okay. I love the layout and simplicity. I wish I could view it from multiple devices. Everyone has multiple devices these days.

Great App!. It really helps to be able to see when I can get my debt paid off.

Not helpful. I just upgraded to the pro version thinking I would be able to change dates but nope, still just shows whatever date it wants. Deleting.

App needs work. This app has potential, but is missing the mark on a couple of details. Would love to ask the developer about these issues, but can’t find any way to contact them. Frustrating.

Accounts 3 interface?. Does Debt Payoff Pro interface with accounts 3?

Dates are WRONG. When I enter my debts, it starts in 2016. I upgraded thinking it would fix the issue and it didn’t. I would like my money back.

Not impressed. Don’t like the fact that you can’t edit your account or add extra payments... there is no purpose to this apt. I know it’s only .99 but I would still like a refund.

Needs updating. When I enter the info for my debt the dates are off. They are back dated.

I like it but it could use some updates. The program overall works well. I have an issue with the fact that you cannot make a change for a one time extra payment. Also, the dates of the debt are difficult if not impossible to change. For example, I just deleted every single debt today and re-entered different amounts hoping to update everything and have it start fresh from today. Unfortunately, it still has 5/1/17 as the date. It seems like changing dates should be easy, but it isn't. These simple changes would make it a much better program.

Two things missing.. Very good app overall. Two things would improve its functionality: 1. A print function. 2. A way to update the balance of revolving credit accounts after payments are made.

Pretty cool!!. Really like the app, but would be nice to be able to put the month you start to pay your loans considering you don't get all of your loans or credit cards on the same month. When you put in your loan info it sets the date to a default date with all the other debts.

It’s Ok. It’s a good app for tracking finances, however making any kind of change throws everything off and makes you start from the beginning. Also don’t like that you can only plan payments out 3 months. It would be nice to plan them out for the length of the loan.

Good app missing one feature though. Great app, needs the ability to add in extra payments when you can.

Mediocre app. For easy tracking it works but when you try to apply life as it occurs is not good. App does not keep up woth current date; if you fell behind on payments it keeps those at an older date instead of rolling over and telling you new dates of final debt completion.

Love This App!. This is one of the best apps that I have ran across. Puts it all right in your target zone. Done.

It doesn’t know what year we are in.. This app still thinks it’s last year and I can’t find a way to fix that.

Overall good but minor(or major) complaints. I bought this as part of a checkbook bundle, and I would buy it again, I love the checking app. I like this app but it could be so much better with a few tweaks. My mortgage and credit card amounts get off by a few cents and I have to periodically adjust. The BIG COMPLAINT: when you need to adjust a debt, there needs to be a way to do it without deleting and starting over. It’s disheartening and discouraging to look like you just started to pay on something when in reality you’ve been paying it down for months but the payment amount or interest rate changed. You have to pretty much reset the date and amount on all of the debts. Also the debt I realized I didn’t have in the list, when I added the amount I owe NOW, it shows that as the amount I owed months ago. Need a way to add new debts from today, not months ago

Works Great!!. This is the easiest plan to work with; it’s made a huge difference in my ability to pay off my debts more quickly. I love it!

Great app, BUT..... Unfortunately, life happens and I had to “add” another debt a year later. However, I could not set the date it initiated and it deferred back to the date of the other year old debts. Would be a nice feature to be able to MODIFY your original plan.

Good purchase. The app has helped me keep on track with paying my bills off. Great app! One problem is when making changes all previous transactions are deleted. Not a deal breaker. Still lets you know when you will be out of debt if you continue on the path.

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Great App!! Needs work. This app would be perfect if you could alter the payment frequency & have to open to enter more then 1 figure. For example; $20 per week & $50 per fortnight etc Other then that love it!

Needs weekly payment option. Good app, but it would be beneficial to have weekly and fortnightly payment options. I'm sure I am not the only person who pays things weekly, and the monthly option causes interest calculations to be inaccurate.

Good. Its a great app but would make it A LOT easier if it had fortnightly payment options & if it allowed you to select the amount you pay i.e. fortnightly payment is $180 but you select to pay $200. That would help a lot to break all the payment options down.

Great to see outline of debts. With how much potential interest you'll be paying, and a clear date of when you'll be paid off. Easy to use and edit.

Needs fortnightly option. This app would be much better if it had a fortnightly and weekly option alongside monthly. We pay fortnightly therefore the calculations are slightly out because the interest payments would be reducing faster.

Fortnightly option needed. Please please please update with a fort nightly option, fantastic app but no fortnightly option so my payment dates are out of whack

Great. Great app for laying all your payments down. As stated before, would be great if there was a fortnightly option for your payments.

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Try the free version first!!. This App is good, but still needs some work. When I add in a new debt and set my monthly payment plan, the payments always recalculates to whatever amount the App feels like so that the pay off date is not realistic at all. Example, I put in a 2000 debt and set my monthly payments to 200 starting march 1. The app calculated my debt to b paid off in 6 payments. The first four payments are set at 200 , but the 5th payment is 466.85 and the final payment 733.15!!! Has other features such as a loan calculator but I have not used everything yet. I recommend the lite version before spending the money for this version.

Good. Would be great but missing an option to put in bi-weekly payments. If they add that in an update I would give it 4 stars.

Can we get bi-Weekly payments?. Hey love this app. Can we get bi-weekly payments? Some of my debts are paid biweekly and it would be nice to have that option. Keep up the great work!

Good App. This will be an amazing App if it include weekly & bi-weekly in time period payment.

Stuck in 2018. Love this app, but now when I try and use it, all of the dates are stuck in 2018 with no way to make it relevant to current date.

Bi-weekly. I love this app and use it all of the time. However if I have 1 complaint it would be that there is no bi-weekly payment option.

Dougybear. Need to have bi- weekly , accelerated bi weekly, semi monthly. I pay bi weekly so the calculations for a pay off date are wrong. Need to have amortization and term key as well. all these calculations are out. Not very accurate because of that.

Good, could use a little work. Does what it says, I tried the trial version and liked it so I upgraded to the full version. I believe most of the previous reviews here concerns have been updated into this version such as additional principal payments which is nice. My only issue currently is that in the reports section and then overview, the pie graph labeling doesn't fully fit on the page so some of the letters are cut off, it doesn't appear this way in the screenshots below. This should be fixed and then I'd give a 5 star review.

Disappointed. A good idea but doesn't meet my needs for a few reasons: when entering your debts, the start date defaults to the current date, and there's no way to edit it to reflect the statement date so the interest and payment schedule are always wrong No way to enter a lump sum payment, or more frequent payments No way to change the interest rate to reflect changes I still use a credit card for convenience-there's no way to show additional charges I'm going to delete this app and keep searching for something better

Add Biweekly Payment. This app would be amazing if it had an option to track biweekly payments. Also why do you always have to record a payment with extra amount? I always have to add 1.00 for it to record my payment. I hope this negative review of your app encourages the app developer to make changes so I can write a positive review.

Almost perfect. Make an option for BI-WEEKLY please then it's perfect.

app has problems. don't waste your .99 there are better websites that will allow you to track your progress much better

Please add the biweekly payment option. Great Great Great app ... Two new features must be added : - biweekly payment option. - skip a payment option. Thanks

Like it but needs some tweaks. Most of the negative reviews are from ppl who don't understand how the debt snowball theory works. Your payments only increase when another debt is paid off and then the amount of that payment is added to the next debt. The app works great for following this method of debt payoff. It's simple and I find very user friendly. A quick google search will explain the principles of the debt snowball for anyone who is unclear. I was hoping w the upgrade that these tweaks would have been addressed but no such luck. They seem minor but would make a world of difference! Many ppl have said the bi-weekly payments would be an excellent addition and I agree. There is also some kind of bug that if you enter a new debt that debt is back-dated to when you first entered your data. I guess in theory you don't want to be adding more debts but realistically that sometimes just doesn't happen. Entering a start date for new debts would address this and allow the app to be much more accurate! The app works great! What seems to be happening is ppl don't realize that the app doesn't assume you've made your payments. Every month you must go in and click on the payments you've made... Then your payments will be reflected in the app.

Missing One Key Feature. I make most of my payments bi-weekly. It would be nice if you could add a bi-weekly payment option instead of having just the single monthly payment option.

Useful, but missing start date field on reports. This is one of the most important apps on my phone, and I do recommend it. Would like it better if the “Overview” and “Original Loans” reports had the start date and current date on them. A weird omission.

Don't waste your time. The program does not work. I bought it, set up my loans etc. I'm told 5 days ahead that payments will be made but nothing happens. Waste of money, don't buy it.

Sync between devices. The application is fine but will appreciate if it can sync between devices like iPhone and IPad, it's doubled the work to redo the same on each device.

Misleading!. I have never felt the need to write a review until now. I think most people are aware that the snowball effect refers to the act of adding the amount of a cleared debt to the amount of an existing debt to accelerate it's repayment. More specifically using the lowest balance method to key in on people seeing their debt paid so they will keep it up. My issue is that this app implies that it will create the schedule and plan once you input the debt and starting parameters. However in reality there is no link made at all between the debts they each stand on their own. I expect if this method is applied my schedule for the next debt should show the extra payment once the first debt is at an end. I should not have to modify the schedule created to show the snowball effect on different debts. It would be easier to use a spread sheet with formulas which is what I do now. The app would be great to take with me which was the reason for my purchase. In any case I'm quite disappointed I'm also greatful it was only 99 cents. If you Need a schedule of your debt and how much interest you will save on each with varying extra amounts. It's great. If you want to have them impact each other forget it.

Garbage. Don't waste your money. It's all well and good to give give me a plan to pay my debts, but life happens and things don't go as planned. There is no way to account for this. We got some unexpected money and put it all on the credit card but the only way to account for this is to re-enter the entire amount of the credit card. We don't get to see our progress, or track how much we've paid off so far. Also weekly and biweekly payments would be good.

Frozen. This app was useless as it froze on first use and never got better

Great App. I owed close to $1M before getting this app.within days nothing changed except my ability to focus on what i owed. If you've got debt issues...$.99 is the least of your issues. Do it!

Basic. This would be a four star app if they added more payment options such as bi-weekly, semi-monthly and weekly. No one makes just monthly payments anymore. Also allow sync across devices. Both updates would make it a five star app

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$. Paid for the upgrade and it’s no different then the free one. Waste of money.

Great for those following Dave Ramsey!. I set this up with all our debts and I love how it tracks payment, how you can see your progress on the green bar, how it calculates your snowball and payments for you! Very motivating and as fun as debt can get. It would be nice to be able to skip a debt on the snowball (exclude it) without deleting it, but overall very happy.

Good App. Just downloaded today, and it won't allow me to enter this month's payments. I used the information from this months statements, but when I enter the payments it dates them for next month. I'll have to remove and redo with next month's statements. Inconvenient.

Not helpful.. Wasted $.99.

More payment options. Presently for the mortgage payment there is only a monthly payment option. The app should have Weekly, Bi-weekly and Monthly.. I personally pay a portion of the payment weekly, which should pay one extra payment a year... Which should decrease my payoff date.

Love it. An excellent debt tracking app. It lets you see how different pay off plan will affect time to payoff and interest. You can also track regular monthly payments as well as extra principal payments. Very helpful.

My only issue is.... It assumes all repayments plans start at the same time. I would like to be able to individualize my loan balance dates, instead of one date for all loans entered. My student loans don't go into repayment until 2013, but its calculations are based on the assumption that I started paying them simultaneously with my other debts.

Why buy Pro when Lite is the same. I loaded the Lite first to check it out and it works well and gives me the info I was looking for. Then I purchased the "PRO" version thinking it might give me more information than that of the Lite version. WRONG!!! Same software from all that I can see. Save your buck and use the Lite.

User. I loved this app and paid for Pro, but now it is stuck in portrait mode and I cannot access the far right side of the screen which includes the update buttons for editing the accounts. I have tried everything and see where several others have complained without getting a response. If this glitch was fixed, I would rate it 5 stars. As it is, it is worthless to me.

Good app but needs smarter recalc. Like this app a lot but would like for it to keep previous payments unchanged when a balance of a debt has to be increased or payment minimum is changed. Like to have it recalc only future payments. Also when added new debts they need to have a start date per debt not start when started using application.

Paying it off. Very good app and simple to use. I like the pie charts and the calculators. I would like to have the ability to make more than one payment per month as I often make 2 credit card payments per month. I am tracking 3 debits...the free app only allows 2 which is why I had to purchase but worth 99 cents easily.

Good app for Dave Ramsey Folks. I have using the app for a couple of months now. The only issue I see is that you need to make it easier to select a date line to alter. I have had to tap multiple times. Also, it would be nice to see an option to update the balance as most calculators don't always keep up with the institution statements. For ex, one card I use for some business purposes but pay what I add each month. This does throw off the balance sometimes.

Keeping eye on debts. If you have decided that you are done with getting into debt and want to pay off your creditors then this is a useful app. You get nice tables to view as you get closer to financial freedom. But if you are still running into stores screaming charge it on a weekly basis, then pass on this one.

Huh?. App keeps sending me notifications of payments due for my debts that are for the wrong dates. I've even tried to uninstall and then reinstall. When I uninstall, the app says I will be deleting all data, however I still get the wrong notifications. Please fix or tell me how to fix.

Fantastic!. This app is so perfect! It shows me everything in a simple app that will help me get out of debt. By looking at this it gives me total hope and I see a light at the end of the tunnel!!! My only requests would be: to have a summary page showing how much I'm paying monthly and which bill(s) for the current month I should be paying extra on. Also, if there could be "groups" we can create. For example, have my student loans set in a different group from my credit cards. So I know my CCs will be paid off on X date and my student loans on Y date. It would also be great if it teamed up with the Balance Forecasting app! Then payments would sync and such... I <3 this app!

A must have app for managing debts. I love this app. I am using it to manage all my debts and so far it has been amazing. It's nice to have all your debts organized in one place and get a perspective of how you are doing and tracking your progress toward being debt free. Great Job!

Like it . . .. But it could be better. There is no option of customizing payments. I pay my debts every 2 weeks to reduce them faster and also pay anytime I get extra money. This makes it more difficult for me to use than other apps out there that do offer this.

Wish you could adjust your plans.... Without it erasing all of your previous payments. I would like to be able to turn the snowball on and off depending upon how my finances are that month!

A good start…. I was going to use this app to help get my debt paid off, but it seems there is one big glaring issue with it: Added interest. This app assumes that all of your credit cards are closed and no longer accruing interest. Thus, even though it has a field for "interest" for each of your credit card debts, it does not actually seem to use it. As I make monthly payments to my cards, some interest is still being tacked on each month, which this app does not take into account. In addition, it does not allow for other miscellaneous things, such as, oh, I don't know—PURCHASES AND FEES. I know this an app that is meant to get you debt free and to help do so, you should cut up your cards and never use them again. Nevertheless, there are still times when you need to make an emergency purchase on a card. Besides this, you still need to enter some information manually at times, such as when a card charges you a "monthly maintenance fee." This is not possible with this app. This is a decent start to the app, but it needs some major revisions before it will be perfect.

Report Problem. Under reports, when I tap Overview, the program locks up. It happens every time. I have to restart the program to get it to work again. But Overview continues to lock up. Also, the only way I can get the green progress bars to show on the Main Screen is to tap payments in the future to make the program think they are paid early. For these flaws, which I think the lock up is the worst, I give 3 stars.

Great motivation. With this app I am able to simulation different payoff strategies and get a bird's eye view of all my debts. It's a great tool that helps to motivate me to pay off my debts faster. Thank you so much for such a wonderful product.

Nice, simple. I really like this app, best there is for debit reduction EXCEPT I would like to play out different extra payment options and currently the app only allows three months paying ahead. Please consider taking that restriction away.

Additional report. This app has provided me with a great road map to paying off my bills. It is fairly intuitive and was easy to set up. I would like to suggest a report that shows the bills that you have upcoming for the month and identifies (with the handy green line) which ones have already been paid. It could also be accomplished by putting the next date due as a column on the main screen. Thank you so much for this handy app and I hope that you consider my request.

Not bad. Wish I could manually adjust payment amounts by month to see how it would affect my overall amounts. For example, in some months, I may be more likely to pay more toward a various debt, but I can't adjust the amount within this program. It's not ideal, but it's still an okay app for $1.

Great App but.......... Hopefully they can update this app to prevent to start over on the payment schedule. Still a great app thought. Would like to see some additional improvements or changes.

Best I've tried so far. The only thing more I would like to see is input for the initial amount of the debt so that you can see your overall progress as opposed to 0% from day one.

Great way to help see the debt you have. Most don't realize where their money is going this app simplifies the debt lets you see the numbers and allows you multiple ways to pay off the loan. You can see when your projected pay date off is. Good way to help motivate you to follow through with eliminating your debt. Hurts seeing how much is going to interest payments

Simply amazing. This app really open my eyes on how much interest you can save by using the debt snowball method. You can potentially save thousands of dollars using this app. It is definitely well worth the small price.

Great for tracking debt payoff. Great for helping you calculate best way to payoff multiple debts. I like the feature to automatically roll the payment for completed items towards the remaining ones. Dislike having to check off the monthly payments. Editing feature could be better.

Okay but some glitches. I wish this app would allow you to alter the payment dates. My payment calculator automatically starts it in December and skips November all together. I also wish you could enter extra payments separate from monthly payments. Synching between devices would also be nice.

Works perfectly!. I've been using this app for about a week now. It's really simple to setup and to use. Calculations are accurate as I have compared them against online financial websites. They also have a free lite version for you to try out before you buy. Definitely get this app to help you get out of debts.

Nice app!. Got this app to keep tracks of credit cards and student loans and it's done he job just fine. Input and adjustments are easy to do and the charts made available are awesome for help keeping track of progress and what you have left. I would recommend it.

Pretty good app. It's great at understanding when you'll be out of debt and the impact that higher payments will have, but it's not intuitive on how to update your bill amounts on a monthly basis if you follow your pay off plan. I hate having to update my balances each time I use the app when the app has all the info needed to track it.

Great debt management tool. Paying off my debt has become much easier with this app. This app lets you see all your debts in one place, choose a payment plan, and then sticking to the plans via regular payments. It also have built tools such as payment calculators and reports that are very useful. Great job!

Best Debt Snowball App!!!. I am glad this developer provides a lite version so that you can try before you buy. I got a couple of other debt tracking apps (which did not have a trial version) prior to this one, but found they did not meet my needs. This app distinguishes itself from other with it's intuitive, clean design and accurate calculations. I've been using it for the past month and the app has been running great. It helps to organize and track all my debts in one place and provide me with the confidence to pay off all my debts. I highly recommend this app!!!

Disappointed. I have to say I am very disappointed with the performance of this application. You cannot update the balance with purchases without deleting the debt and adding it back in. It is October and when you re-enter the the debt, it shows first payment in July. It makes no sense. I would wait to purchase until the bugs are worked out. I guess I will be going back to my old debt app.

Just what I needed. This is a great app for applying the debt snowball payoff strategy taught by Dave Ramsey. It has help me tremendously in managing my debts and getting a high level perspective of how I am doing with my goal toward debt freedom. The app supports multiple payoff strategies and allows for regular monthly payments, extra principal payments, as well as payments with an extra snowball amount. Thanks you so much for creating this amazing user friendly app.

Excellent App!. This app is very helpful in organizing all my debts into one place. It has the ability to track payments and provide reports that will put me on the right track. I highly recommend.

I like it but.... I like the app. I like being able to see all of my debts, the date of payoff, etc. But it will not update my balances each month after a payment has been made. It still says that I have made zero payments and the balances remain the same unless I manually change them.

I like it. The layout and thought is simple but when you can only afford the minimum payment and or just paying the minimum so your extra fun can go toward the plan picked you still have to enter an extra principal to enter its been paid but other then that great app

Love it. This is a very useful tool for those serious about getting their financial affairs in order. It gives you a visual of the work that needs to be done, of how far you've come and what's left to be done.

Almost 5 stars. Great app. Does exactly what I want and it looks good doing it. It just needs a little more control. Such as individual date control and the ability to change the payment amount, without having to redo the entire schedule.

Bravo!. This is such an awesome app. What a great way to get you excited about paying down that nasty debt. This is a simplistic app that's not ridden with unnecessary frills. Plain and simple: you input your debt, you choose a method, you see a payment table, you record your payments. I like how it allows you to add extra payments if you choose. Things that I'd like to see: iCloud support and iPhone 5 screen support. Way to go!

Good, but could go a little further. App does just what it says it does, help visualize your debts in one place so you can put a plan together to pay them down. However, it's functionality isn't entirely clear just from the GUI. It's initially unclear what field for "Amount" means under the Payoff Plan screen. After some messing around it appears to be what you can afford to put toward the debt AFTER your minimum payments. Would like to see a built in FAQ or Help section. Adding transactions isn't as robust as it should be. The app takes the due date of the bill and automatically assumes that you will pay it that day every month. There is no way to account for multiple payments per month, or to modify the day. Yes, my bill may be due on the 22nd, but I get paid once a month on the 1st, so I pay my bills then, I don't wait until their due. Additionally, the app REQUIRES that if you're paying more than your minimum payments you spread it out onto each bill. Ex: after making my minimum payments, I'm paying $500 additionally. Great. But I want that $500 to be put toward the highest interest rates first. There's no reason I should pay more than the minimum on my 3% APR car loan when I have a 15% APR credit card debt, and the payoff plan tells you that which is correct. But when you go to add the transaction, the app returns an error if you put a 0 in extra principal field. There's no reason to put extra principal because the payoff plan has already properly allocated where my extra $500 should go! Would also like to see a month by month payment analysis for ALL debts, not by single debt, ie a table with months across the top row and debt sources in the first column. This would let me see in one view how I'm going to allocate my payments to each debt as time passes and I get things paid off. Like I said, a great start for the price ($.99), but it could do more.

Must have!!!!. For all Dave Ramsey fans- you must get this! I love the visual aids of the graphs and I can keep it with me on my phone so I that reminder to "NO MORE DEBT!" Plus it gives a to the day count down to when I can call in and yell "I'm Debt Free!!!!"

Works Ok. I downloaded the lite version first to see and it seemed to be okay. After downloading the full version it is obvious that it is not able to do what I want. I tried to adjust dates, but it automatically is setting all first payments to August even though some bills haven't been paid/due for July. Also, on the debt payment screen there is an edit button. I have YET to find that this does anything. It seems as though the only way to adjust balances or interest rates is to delete the debt and then re-enter it. I cannot find any other way to adjust these items. :-( Glad I only paid $1 for it.

Good, but needs a few other things. Love the app so far. It's helping me visually see when I will be don't with my debt. Now the only problem is that I can only use one APR. For cards that no interest for X months, then your interest rate will be Y%. There should be an option or this

Very helpful. With this app, I am now able to see all my debts organized in one place. I get a good perspective of where I am and what I need to do to payoff my debts. It is very encouraging. Thank you for such a useful app.

Great app. A must own for the visualization of your finances.. Though not perfect this app is truly amazing and resourceful. It needs a function for debt totals, I.e. monthly expenses, annual, etc. It also needs a way of inputing revenues to project totals for the snowball calculator. It really could be a do-it-all-for-you debt pay off plan. Working with your situation to maximize results. Still a great app and definitely worth the dollar but I still need to see those improvements for that 5 out of 5.

Love it!. I'm doing the debt snowball. You have to put in debts and your min. payment. When you put in your xtra$ in the plan screen it will give you a plan on where to place it. I'm so excited because I can visually see where my money will go and it makes a lot of sense. Also, when you make payments and found an extra $25 it gives you the option to add it to the payment. I'm basically jumping up and down! This is so worth the money!