Debt Payoff Assistant App Reviews

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

Lump sum payment option?. Is there a way we can add in an occasional lump sum payment, such as when I receive a tax return or work bonus? I would like to know how much paying an extra $1,000 in April this year will affect the pay off date of a mortgage for instance. Then if I get a work bonus in June this year, I would like to add in that additional lump sum payment of let’s say $500, and see how that affects the pay off date as well.

Not bad at all. Only difference is on main page showing total payments are made a month

Free and fantastic. This app does exactly what it claims. It is extremely user friendly and allows the user to do custom things, such as added snowball payments and one time additional principle payments. The only drawback: you have to set a date that is for all loans at once. For example, if you add more bills/debt at a later date, the app will calculate it based on the date you entered your original data. Still 5 stars!

Pretty nice - but couple of suggestions. I like what has been done some far but would suggest the following adds in future versions ... 1. Most importantly - have to be able to enter what a person can afford on a month basis. I am on fixed income and the apps shows paying just one debt over my monthly income. You have be able to cap what your spending on the payoffs overall per month 2. It would be nice see a report for each month what the payouts are without having to go through each debt to check .. tedious and time consuming right now. Other than that .. i really like the app .. simple and easy to setup

Only good for one-time static debt. App needs to be able to do math and show current debt as of assigned date of input instead of always showing original debt. Needs field to add payment as of current date and assign it to either one-time or on-going from current date. It is only effective for a one-time tool, not a current tracking/update tool. There are PITA workarounds like doing the whole thing over as of now but it's a PITA

Not bad. Overall the app queries great however the date is inaccurate with new debt.

Great app. Simple a d functional. Works as designed. Bought the add free version after 4 years!

James. App could be better. There's no way to mark your payments as paid and no way to mark any extra you make on a payment. We should be able to go into the current month payment and add to it. Say your car payment is $475 and instead you add $25 to it one time you can't show it in that months snowball

Review. Please allow DATE entry because everything does not happen in specific years

Payoff your debt with a plan. I love that it uses the snowball system to help pay off debt. Makes it simple and all the visual aspects of the app are awesome

Great App. This is a great app. If I could be granted one wish, it would be for the ability to enter payments each month and see my balances decrease along with a change in my payoff dates. I would love to see my progress in real time.

Great App. This app is a great, easy way to see my payments slowly going down! The only thing I would add to this app is the ability to put in bi-weekly payments, and the ability to have added principal automatically be able to go onto each payment, not manually having to add it. Still a great app!

DebtPayoffApp. App works as described. Only problem I have is no iCloud sync. That is a most important feature when dealing with data.

This is what I’ve been looking for. I am only tracking one loan - a student loan that I’m making extra payments toward for early payoff. Love the amortization schedule and the ease in which I can mark it paid. I also love the Overview and the ability to make extra principal payments which I plan on doing next year. This app greatly surpasses the other app I was using. Thank you!

One major problem. I’m transferring data from a different app manually in this app starts posting from the next month so you would have to turn your phone calendar back a month

Not bad. This app serves it purpose but it doesn't give you an option to show all your payments in a spreadsheet so you can see them next to one another for each month. I have to go back and forth from one debt screen to another. Very time consuming.

Debt Payoff Assistance. It has taken me 2 months to figure out that you have to touch the date for it to record that payment. It does lay out the debt pay off so you can see the progress until payoff. I do like that this simple app has no ads. I do suggest that pictures be added to show what and how you can use certain function. This is a great simple no fuss app!

Works well, but one issue for me. I really do love this app and feel that for the price of free, I can’t complain much. It does help me to see how I can pay off debt faster and I do like to see the breakdown of what my balances will be with the snowball method. The only issue I have is that it doesn’t keep up with time. I started using this back in March and the balances don’t keep up even though I mark how much my payments are and interest. So even though we are a few months down the road my balances still look the same. So I have to readjust the payments and basically start over each month. Not a big inconvenience but still could be improved.

What Happened?. I tried submitting my Review. It wouldn’t take ANY name I put for my review. So I changed my stars from 1 to 5 stars to get around. I am purchased the app, put in the amounts I was tracking etc and felt great. I started to pay off more on the cards so I put in the new balance, and... now the payoff dates are in the past!? What happened? This is crazy! Doesn’t help me at all. Are you going to fix it, if so when? If not I would appreciate my money back.

This app is just what I was looking for!. I have been trying so many debt payoff calculators to find one without all the bells and whistles and is just simple to use. This one provides the exact information I needed for my debt payoff and it’s so easy to use! I highly recommend this app if you just need to know the basics for your debt payoffs. It saves your inputs, you can compare different payoff strategies and I didn’t pay anything to use it. Thank you for this app, it’s great!

Almost there. This is a good debt payoff app with one major flaw. It assumes that people don’t have an instance where they add new debt. I say this because when you do add NEW debt, it defaults the start date to when you initially set up the app. For example, I’ve been using this app for a while to get free and clear of all debt however, my car died so I had to purchase a new car. When I add the new car to the app it makes the start date for payments the same date that I started using the app. That does not allow me to correctly track my debts. I would purchase if this were fixed.

Can’t edit. Can’t edit your debt if you continue to charge. Also can’t change your monthly minimum payment as they change each month so it’s not helpful I have to delete the whole debt and renter it with the new amount owed and that months minimum payment so I know how much to pay the others.

Keeps me motivated!. I love watching my debt go down every month! To visually see the numbers getting smaller definitely helps me stay on track and keeps me motivated.

Well, not as good as I thought .... I really started to like this app, but I’m on income based student loan payments and this app says my monthly payment is too low that it needs to be at least a certain amount that is almost $100 higher than my payment I’m trying to put in. I can’t even afford the payment I have, thanks for making me feel worse when I’m trying to get on track with my bills. 😡

Highly Recommend !!. I don’t usually write a review but I think this app deserve 5 stars. I usually write down all my financial debts doing the snowball method on a journal. This app makes it easier for me to input my debt, interest rate of my loan/credit cards and monthly payment. The best part is you can see the progress you’ve made🙌🏻 Here’s to paying off your debts and keeping track.

Good, could be Great!. I like that it is pretty simple. In addition to other feedback, one thing I wish I could do is take away the snowball for specific debt. For example my credit card, for which I have recurring payments that will continue after the balance is paid off and thus can’t be snowballed to the rest of the debt. I thought of something else. A way to edit the payment amount. Good stuff though! I definitely find it useful :)

Could be best.. Need an option to add extra one time payment above and beyond the snowball payments. New to this ap more to come. Edit. Found the extra principal payment option. Sorry and thanks.

No flexibility. This app is easy to use but there is no flexibility. For example, it’s forcing me to put in a payment double what is due. Sorry but this app won’t work for me as the numbers will be all wrong.

Exactly what I was looking for.. I was attempting to create my own “snowball” method by applying the payment from a previously paid off debt onto the next one and then carrying that larger payment forward until all of my debts are paid off. I wanted to see the payments spread out in a chart so I can actually see what is happening with my payments. I like that I can choose a custom order of applying the snowball or pay in order of highest balance or interest first. I also like that I can add an extra payment and make the snowball bigger! It is a very simple app but it gets the job done. It gave me a closer end date to what seems like endless student loans!

Ok but. It’s simple enough to use but today the 30th of March, I put in a debt with a due date of the 21st and it put the 21 of March and I’ve already made the payment for March! Why does it do that? It should be obvious that the next payment is for the 21st off April, right?

Glitch. I just purchased this app to help pay off my debt. I chose snow ball strategy and typed in 3000 extra a month. The app told me I would be paid off by next January. Then I made my extra payment 3400 and it added 2 months to a March payoff, rather than showing an earlier payoff... clearly this isn’t right. The app is bulky as well with useless features. I am upset with this purchase

Cancelling a payment. I’m with others on this one...I have tried everything to undo a payment that I didn’t make, I pushed several by accident figuring out the app, and now short of typing everything back over again and restarting over I can’t fix this. That’s too simple of a fix I would think to start all over! Please please fix this I love what this does but you don’t give us enough options to manipulate our debts around.

Keeps me focused. So easy to use and great visual layout. Keeps me focused on paying off my debts!! Highly recommend.

Perfect EXCEPT. Although this is far easier than creating the spreadsheet to do the math, it is far less flexible. Like another user commented, a date flexibility option would be helpful. For example, I have a Payne t due on the 15th, but apply an additional 2k on the first, it will only let me add it to the 15th payment which makes a big difference in keeping my numbers right.

Nice interface. Easy to use as a calculator! Just what I was needing. Highly recommend

I wanna love this. I wanna love this app. I’ve downloaded and tried so many free apps and by far this is the best...EXCEPT the dates. Why is everything dated for March 2019 and on? No matter when I input the debt. That makes it not accurate. PLEASE FIX!!!

Love it!. This keeps me motivated to keep up with my financial goals. I’ve been using it for almost a year, and I’ve made more progress paying down debt than I ever have before. Yeah, there are some small things I wish they’d fix, but overall it’s perfect for me.

Beginning date. I would rate five stars if it had an option for a loan beginning date. Please add this option. Other than that I’m happy with it.

Latest update stinks. Used to love the tool but the most recent update has stripped a ton of functionality I have come to love about the tool. Especially being able to see quickly total interest in the calculator but now you throw the amortization schedule with no summary. Time to look for another tool.

Need real time data. The app is nice as far as creating a plan for you to help pay off debt but it would be nice to see your actual progress/remaining balance. When you try to edit the balance it changes the entire plan and throws off the monthly payments. I don’t want to login and see my original start off debt: it’s depressing lol. But it’s simple and easy to use!!

No iCloud Support. Need to update each device.. His app would be great if I didn’t have to update each device separately. ICloud support would be great.

Awesome but-. I wish there would be a way to enter just a payment without the additional money option. It won’t let me add the payment I just made without adding additional money to it. Just annoying. Other than that it’s great!

Ok. Works okay for seeing your debts and how much is going to principal and interest. However, it doesn't account for being "gazelle intense" (windfalls/or accelerated payments) because it only allows you to mark off payments up to three months in advance.

Ok. Like the interface and the general concept, however, there is no way to modify individual payments, say if you get behind one month in your snowball. It counts on you following your preplanned extra payment amount the entire time, without ability to change as necessary without wiping out all your data and payments to date. This should be a pretty easy fix so I hope it will come.

Works great but can improve a lot. I love plugging debt in and seeing my best course of action. It’s great if you only want to snowball bills or have a set payment for all your bills. However it could use a few minor tweaks that would improve it a lot. (1) There is not a way to just pay extra principle towards debt without snowballing the minimum payments from paid off debt. You can do it one bill at a time but that is only functional for the top priority bill. Choosing which bills you want to snowball into or from rather all or none would make a huge difference. (2) I also wish the balances of debts kept up with time. Every time Inwant to add a debt or rethink my plan I have to change all the balances. It still receives 4*s for ease of use, simplicity, and the benefits it does offer. I bought the ad-free version as a tip to the creator. I do not notice many ads with the free version. I would have donated more if allowed.

Awesome app. So this is an amazing app! Great way to manage debt and to help pay it off. As of right now though it has pretty much Ed ranked seeing as it will not work with iOS 13 and newer. When attempted to check off a payment for a bill or something it just says that you can only check off up to three months. Mind you it could be last month you or the current month or a future month it will still pop up saying you can only check off up to three months. As long as this is happening the app is useless. Hope it gets fixed.

My Default Budget Calculator. I've been using this app for years. I input my debt. My percentage. And my monthly payments. Well planned out spreadsheet using snowball effect. Perfect for my needs. Just not on the eyes. Has this iOS 5 and under look. Needs a new UI. Other then that. Perfect

Going backward. I see you changed the app to not show your whole debt on the home page. Not a good idea. I deleted the app. Reloaded it to go back to the original version so I could see the balance of something in bold on the home page and on the bottom of the home page shows total balance and debt pay off date. It’s all gone and what a bummer. Don’t fix it if things are not broke

Love it. This app is great. It does everything i need to track my bills. i would love to be able to add and subtract extra money to see how it affects my snowball. I would also be happier if new bills didn’t use the date i started using the app with a pay off date that’s already passed. It should show current date and then guess of when it should be paid off a Little later. I may not reach my goal date but at least i would have a shot

Love it❤️❤️!. Great to track!! Free version lacks flexibility in changing payments but otherwise love it!!

Did you know that you can earn 25 USD from our site just by registering? Get $25 for free by joining Payoneer!

Need payment options. Very easy to set up and use. I like that it gives you the date you will have debts paid off by. Would be great if for the payment option you could choose weekly and fortnightly as well as the standard monthly. Great to have the info at my fingertips rather than on bits of paper that I inevitably misplace.

Needs to be perfected for 5 stars. Can you please add a weekly/fortnight option. It would help a lot. Also when trying to enter the days (1-28) there is no scroll option and my keyboard is covering it. Will still try but needs to be simplified for a wider audience. It took me so long to find an app like this.

Not bad but no weekly payment option. Wouldn't pay for it but it's not bad.

Would prefer..... I pay all my bills weekly or fortnightly. Would love it if the app had this option :)

Needs weekly payment option. This app is great except it needs a weekly payment and editing option.

Lack capability to edit. Once you setup a debt it is impossible to make changes. So if I drew on an account (like what happen often on a credit card) you cannot simply go and adjust the principle or even interest rate in case I manage to negotiate a new interest rate. Cannot sort the debts on the home screen either. This app is good if you have loans that will not change in principle or interest rate such as personal loans. Not good for Credit Cards.

Weekly or fortnightly pay off options would be great. Ok app but there's only the option to make monthly payments

If only you could amend. Weekly or fortnightly payments would be great and be able to amend once the debt is created rather having to start again otherwise really good!

Repayment Frequency Option Needed. I love the design of the app but unfortunately I don’t pay my debts off monthly. I pay fortnightly as that is when I get paid and to pay more frequently as soon as you can reduced interest as interest is calculated daily. I would love to see different repayment options incorporated into the app and would happily pay for this feature.

Good idea. Great idea but kept freezing and asking for a password when there wasn't one.

Imagine you at your best. All the time. Picture yourself at your sharpest and most productive. Your most alert and focused. Your most lucid, creative and confident. At work. At play. In every area of your life. Add Mind Lab Pro® v4.0 to your daily routine and uncap your true potential. Buy Now!

Looks OK. Went to go enter my debt but it doesn't give me a bi weekly payment option. Won't be accurate if I input day 1 and 15. Otherwise I think this app could be pretty amazing

Debt payoff. Good app, but you should be able to apply additional payments on any month. Also, apply the amount you paid if you were short on a month

(=. I love this! It's simple to use and gives you a lot of information as well. Quite handy. I found a few others confusing and hard on the eyes.

Needs another feature. Please add an option for biweekly and weekly payment options. Without this it doesn't give me an accurate pay off date. Yes I do add my biweekly payments together to put a monthly payment, however, I make 26 yearly payments, not 24. Do this and I will absolutely give this ap a 5 star!

Need weekly/bi-weekly payments. Like the app, but I pay weekly and can't get accurate dates. Also doesn't allow for skipped payments.

Still needs weekly/biweekly payments. I agree with the other postings; most people don't pay all of their bills monthly. This lack of flexibility takes away from an otherwise awesome app. It is still useful, but this makes it a rough estimate. Also a debt payment cannot be edited once it is input. For example, if you increased your debt payment by $50/month, you must either start a new debt category or add $50/month each month. Still a very useful app to see debt, interest, and payment totals

Beware. Contains an 'evercookie'. Google what an evercookie is.

Don't be fooled. This app seems helpful at first but is completely useless in a few months. Input data and see how long until debts are paid off but come back to update and it never shows current date. A year later I'm still looking at outdated info. I found another app that works much better.

Needs improvement. Love lots about this however does not allow bi weekly payments and expects a 100000$ loan paid off in less than a year along with other bills it overrides the years in which u plan to pay them back over and has all debt paid on less than a year including payments of more than I even make

Limitations. App does not allow you to input bi-weekly payment schedule.

Great app but needs more payment frequencies. As someone who pays my bills biweekly, it makes my payment schedule a little inaccurate. Some months have three payday weeks instead of two so doubling up my payments calculate to monthly payment doesn’t really work. The payoff date is not correct because it’s technically missing several payments over it’s entirety.

Froze the first time. Cheap

Thank you!. Love this app. Encourages you to pay off your debt as you see how easy and quickly you can. I thought I never would be debt free but this app showed me I can do it in 3 years!!!

Has become my main debt tracker. Great tool!. Really useful and simple. Lots of options for ordering how you're paying down debts.

Could be improved.... The app is useful and well designed overall, but has a major flaw of not allowing weekly/bi-weekly payments.

Needs additional tools. Great app for simple tracking and payment. Should allow you to change interest rates from middle to reflect future payment accuracy.

So Far So Good!!!. It could use more payment options, bi-wkly etc. other than that it's great!! I'm always playing with the app to find better ideas and ways to lower my debt and bring my freedom date closer!! GREAT APP!! Don't even notice any ads, Free version is amazing!!

Not helpful, unflexible.. Can only set one payment per month. No way to show biweekly or semi monthly payments. Not very accurate if you cant set accurate data. I am sure there are other issues but i stopped as soon as i saw the debt setup restrictions. Wont be using this app unless this is updated. None of my payments are monthly.

Very helpful app!. This app helps keep you on track and focused. I love it. Seeing how much interest your paying on your debt is great motivation to pay down your debt. I went from having 5 maxed out credit cards to now 2. Still striving to get down to one credit card.

Payment frequency. It would be nice if this app let you to set a payment frequency. I find it much easier to pay each bill every week I get paid and this app only sets it up for monthly payments.

It's ok........ First I wanna ask what is a ever cookie?? Sooo this is a great tool to see when the debt will be paid off and it works out all the payment dates. Just would like it to work with my calander and show payments there and bi weekly would be great as well.

Amazing. Luv it!!!

Beware!!. This app contains an " ever cookie "

Great. Very good app helps to be organized

5 Star. This app is really helping me to pay my debt on great schedule.

Adsterra is the most preferred ad network for those looking for an alternative to AdSense. Adsterra is the ideal choice for new sites with low daily traffic. In order to advertise on the site in Adsterra, like other ad networks, a certain traffic limit, domain age, etc. is required. There are no strict rules. Sign up!

Awesome app!. This app is fantastic. Not only do you have the option to snowball, you have the option to add in an extra payment every month or extra principal on a single debt for that month. The only thing that would make this five (or more!) stars would be a bi-weekly calculation, as i pay my bills that way.

Not bad. Good app, but if there are changes to be made after setting up all your accts, then it seems to be a pain. Maybe it is just me, but it could be more user friendly. But is nice to track your debt.

Not so great. When entering debts, you can't enter a mortgage with any accuracy. There is no place to enter your taxes and insurance so the payment on the principal is WAY off! This will only lead to inaccurate pay off date and frustration when you realize you won't be out of debt when the app says. The mortgage calendar has these options, why are they not part of the debt program??? If you have a mortgage, this app is worthless!

It’s a good app. Wish there were a place where I could document notes

Could be better. This app really needs a feature for payments that aren't due until later and for payments due all at once.

Very useful but could be better.. I like that the app has all the debts laid out in one place and are easy to manage. Love all the current features, but it would be better if the debts allowed a start date feature. I tried adding a new vehicle and it tries starting over the date that I started using the app!

Great motivational tool. I love this easy to use, streamlined visual of my debt AND my payoff goals! It actually gets me excited to be able to click off another payment and see the progress! Couple of small changes I would like to see: ability to "cancel" a payment because of forbearance (not our choice, the banks, while they determine the status of a loan forgiveness application), and second, being able to adjust the snowball amount from month to month without losing progress on the payments already made. Otherwise, so pleased with this app, and would recommend it for anyone motivated to pay off multiple student loans, credit cards and car loans!

Superfantasticawesome!. This app is exactly what I was looking for when I searched debt snowball. The only thing I can't figure out how to do it put in an automatic extra payment monthly. All I can see is to enter it manually every month. I can handle that! Thank you for allowing more than two cards. With your help, and my perseverance I'll be debt free in September!!! Thanks!

Dates are wrong and payments aren't being marked. Update please!. In concept this is a really cool app and a great way to track your debt. However, the execution leaves much to be desired. I've been using this for a year and haven't had a single payment marked as paid automatically, so I decided to delete my accounts and start over again last month only to discover that the app is stuck a year behind! You're better off using the lite version and saving yourself the cost of this app. I wish there was a way to get my money back for a faulty app.

It would be better if the math was right.... Somehow it decided I have an extra $700 in a few months and added a payment that's no where near what I said I had available to pay...so, sure, it looks awesome at first, but once you look at the payment breakdown, it's flat-out wrong. No matter how many times I delete and replace that one bill, it won't fix it. If this glitch wasn't such an integral part of the entire idea of their app, they would have received a better rating.

New debt dates are old. I have a new debt and when I put it in, I can’t change start dates. It’s starting it for years ago. Very frustrating.

Horrible developer. This app was great when it worked. But a week ago it froze on me while I was using it so I closed it. Now when I open it, it is still frozen but on the home page. I reported the problem and even emailed the developer and the developer pretty much said he couldn't do anything about it. Disappointing.

I like. Overall I like the program. Anyway to add bi-weekly due dates?

Needs multi-dates. When adding a new debt needs to have the option of when you acquired it. You don't get them all at once! We have some we got in March, some August but all have the first payment of December 2013! Really annoying!! I love the app but really want the option of having the first payment of when your actual first payment for that debt is. One debt got all the past years payments and stuff messed up recently. Thankfully I'm about to pay that one off.

Almost Perfect App. I would give this 5 stars I'd there was a way to add your own actual patent dates outside of the schedule. My first payments would start on 7/25 but the app starts the schedule on 8/25?!? Also, I made payments today but there is no option to add my own actual and extra payment! Otherwise, I love this visually and for its simplicity

This app no longer works due 2 landscape not working!. I was using this app and really liked it. I was just learning how to use it when all of a sudden it no longer works in landscape mode only in portrait. Portrait cuts off most of the information, thus this app is useless until they fix it. I posted the problem on their Facebook page, but no response as of this time. I am not only one having this issue.

Not bad. Not a bad app. Keeps things organized but for some reason I don't see it deleting the debt I've paid as the months go on. In settings the debt deletion option is on but it doesn't seem to be actually doing that. Otherwise it's a good app.

Great idea, still needs work. I am quite fixated on my finances, so this app seemed like a perfect complement to my budget and banking apps. The glaring problem is the inability to adjust your "snowball" settings once you've recorded any payments on your loans. The originals should be locked in for existing payments and your new settings apply to future payments. Also, adjusting posted payments are not very intuitive. There's deselecting and multiple steps just to change the specific extra payment made. And say you don't have the "snowball" money one month. You're not able to remove that extra payment. That is unless you start over. It makes very little sense. I set my snowball to zero and apply additional principal payments manually so I don't encounter this problem. But then, why have a snowball app that makes it hard to use that very function. Thank goodness this app has a free version, so can discover these things before spending your money. As you can probably tell, I'd hardly recommend wasting time downloading the free one at all. Better off just using excel.

Very useful. Good app overall, however I would like the option to put in a one-time payment, for example, when you get a tax return or a bonus and you want to put it towards your debt.

Love this app, but one request. I love everything about this app but could you add a side feature that would allow us to calculate a one time big payment? As in, if I receive a big $5000 Christmas bonus what that would do.

Love it!!!. The setup is extremely easy. I've been struggling trying to figure out where to start to get out of debt. This app has made things easier and extremely visual.

Great "get out of debt" planning app. This app helps you understand how much debt you have, make a plan for getting out of debt, and showing you how long it will take.

Nice app, not perfect.. I would like the app to be able to add amounts to the revolving debt accounts such as credit cards, rather than only being able to subtract from balances. Also, you can only select one "starting balance date" for all accounts. This results in not being able to add debts that are accrued in the future as it will back-date payments to begin on that date.

Error!. You are using “princiPLE” when referring to a sum of money. WRONG! It should be “princiPAL”!

Love it. Love it

Useful. This app has the potential to be a great tool for paying off debt. It has a glitch. When you add a new bill it list payoff amounts from the date you downloaded or started using the software. So if you start using it in Feb 2013 but entered a new bill in Oct, the payoff amount would start counting down from Feb giving a false payoff date.

Useful. Enter your loan, interest rate, monthly payment, due date and you are presented with an amortization table. At the appointed date, your payment turns green on the amort table indicating a payment was made. And there is a way to add money on the principal should you have some additional cash. However, if you miss a payment, you will have to delete the account and reenter the information. You also get some graphs that show your progress along the way. If you do make your regular payments then this is a useful app.

Simple. There isn't anything complicated about this app, which is what I like. My husband and I are paying off debt in order to build our dream home. This is perfect for letting me know what I need to pay each month in order to have our debt paid off by a certain date. Also allows you to add extra payments when you have extra cash, and will adjust balances. As another reviewer says, this is more for static debts. I use it for my credit cards that I have cut up, student loan debt, car, bad home.

Not recording payments. I've been using this app for a couple months, but the payments are not being recorded and turning green like the directions say that they will. So, each debt is still showing no payments, the amount is not going down, and you can't manually record a regular payment because it won't allow zero to be I the extra payment box. Lame! I was really excited about this app.

Needs development and "over time " snowball chart. This app could use some more development. I like how i could easily see a payoff projection and email it. It was also nice to see a clear culmative total and assign icons. I was a little confused how to edit my ballpark guesses into their real numbers. It seemed one of the edit buttons didn't actually let you edit anything. The most disappointing part was (i guess i thought the app icon was actually indicating that there would be a bar graph feature with this app. I would love to see an "over time" chart and a predictive snowball line chart feature. Also liked the variety and quality of design on the icons you can assign to accounts. I thought i could use a few more medical icons, a construction-type one, maybe a few other color cars and a ccard one with a "D" on it (discover)

Nice app but snowball is inaccurate. Useful app. However the the snowballing needs to be verified. I have five accounts that I entered. The first two accounts values ($400 and $2200) amounted to total $2600 with minimums of $25 and $100. With snowball on and an extra payment of $3000, the app pays off the first two accounts in the first month as expected. However within the same first month, it show that the third account ($4500) will be paid in the amount of over $3000. It has essentially used the snowball in the same month, instead of pushing it to the next month. I like the intention of the app and layout, but please fix so that it is accurately producing payoff times with snowballing.

Weekly rather than monthly,. I would give it five stars but i need it to be a weekly schedule payment not monthly , some months have more weeks and it would be better if it offered that option!

Perfect app!. I was looking for something where I could enter my debts and look at them all in one place, see the payoff date and keep track of them without having to enter a bunch of other info or account information! Simple, straight forward. Love it!

Can’t Edit Entries. Why should I have to start over?

Nice app!. This app is very nice however if you need to update remaining balance it will do it but place it back from the original creation date???? I tried completely wiping the payee and recreating it but it will still remember original creation date??? This bug renders this app unusable. If this is fixed this would be a 5 * app.

Not useful after first entry. I thought this was going to work nicely after my first list of debts were entered. However, you cannot edit an existing debt to update the balance accurately after a payment. The payment date is inaccurate because it is the 12th of the month today and when I input info on my loan which had a payment date of the 4th, the list of scheduled payments and pay off date were inaccurate since it listed the current month, not the next month. Ugh! I will find another ap.

Horrible. The app doesn't work at all. When you go to enter info in it freezes your phone, gave me the black screen of death twice. Not worth selecting "get"

Helps keep us in line!. I have been using this app for about seven months now. So far, it is has helped me greater appreciate our true debt against what we say our plan is. I am hopeful that future updates would allow for a change in the amount towards debt that you would like to pay off each month, instead of requiring you to adjust all previous payments. This would come in handy for the times when your budget may be a little extra generous or the opposite. All in all an awesome app for the price!

The free one works just the same. I paid because it said I could customize the payments. I incorrectly assumed that I could manually change the payment schedule since I have student loans and can do a forbearance on them. I also have a loan that has a huge payment so I make two payments a month. However I find out that the only adjustments you can make are the same ones that you have on the free one. Also instead of the full payment amount I was paying on the first loan I just want to roll over 1/2 the payment and it doesn't give you that option either. If you just want to track your debts then the free one is great.

Seriously the best!!!. Best debt pay off app out there!!! You definitely should get it... I like how it has payment plans, calculators, progress reports, etc.

A few tweaks would make this better.. If you simply need an app to list your debts and calculate a baseline for payoff dates, this is suitable for that purpose. As other reviewers have indicated, there is no provision for making any additional payments. If that was changed, and a sharing function was added, I'd give 5 stars.

Easy. This program is simple, straightforward, and extremely helpful for creating a snowball debt payoff plan. It allows multiple strategies for the payoff options, generates reports, and has a clean and simple interface.

Simple, Uncluttered App. This was perfect for what I wanted/needed. A simple app which showed my payoff dates. Very easy to use. However, I gave it four stars because the app only allowed the payoff of three months in advance. I'd like to play with extra pymt amts. Fix this and I'd give it the five stars it deserves.

Best Debt Payoff App. This is the easiest, most straightforward debt payoff app that I've found. I helps me keep my debts from getting out of control. I do agree that it needs the ability to add amounts to current debt without starting over, and also to factor in one time random payments. Add those two thing, and this app would be perfect.

Thank you for this app!!. I have been in debt for hella long! I could never figure out a plan that I liked and could stick to, to pay off my debt. Then I found be this app. I LOVE THIS APP! It is very easy to use. And once I figured out that I could change the balance date on the 2nd tab to correct things the app was even better to me. I now have a date that I can see when I will be debt free and that helps to keep me motivated. I also love that you just tap the payment to show that you made it and you can also put in the extra amounts that you pay... If you can. All in all I love this app and have recommended it to anyone who has asked me for help with figuring out how to get out of debt.

Good app but could use some tweaks. I do love this app and it is very helpful to help get out of debt. However it works excellently on Static debts, ones where the balance doesn't change, but on my credit cards where I've charged new debt it doesn't let me update the current balance. You can update the balance but it will then change the Original balance on the date you entered it the first time and not the current month you are in, so on revolving debt it's frustrating. I did just find where you can change the starting date, thanks to another helpful review, but it changes the date for all your debt, so you'd have to re-enter your data again. It might be nice to see a debt start date for each individual debt.

Works Great for me. This tool helps remind how important it is to stay on track and snowball payments. It is great to see the debt free date and how many YEARS of payments can be omitted. Sure there may be a few limits with how payments work but if you take the time to enter balances and exact interest rates it works great! I look at the app every day and appreciate the reminder that I already have plenty bills and it would be a mistake to go out and buy something else before I pay off what I already have.

Nice App but edit function does. This is a nice app but the edit function does't work. So if you need to change something, like payment date or maybe you added some extra to a payment…you can't revise anything. You just have to delete the account and start over. Ok..figured it out. Edit works on the first page, just not on the second page in the spread sheet form of the loan. I first rated at 3 stars..I will change to 4 now. I wish I could enter a loan from the loan start date, rather than the current balance. Other than that, great app!

Progress. I like this app it's helping me stay organized and I can see the progress. It's better than writing down balances on a sheet of paper every month for my balances.

Great app,. I really like this app. Find it fairly easy to use. I just wish there was a way to edit payments down, especially this time of year when taxes are due. And you are close to the end of the snowball