Debt Payoff Planner

This app is fine, but it's way too manual. Every time you make a payment/purchase you need to go in and update, not to mention that in spite of adding an APR rate upfront to credit cards/loans, it doesn't auto-add apr to your total, so it appears to be paid down more than it is. I'm using the free version, so maybe these issues are fixed with a premium subscription. Even so, making your free version half baked doesn't entice users to purchase.

Absolutely brilliant. Could not live without it to keep my credit card debt under control. The only app I can find that displays amounts in £s. Does all the interest calculations for you to give a true representation of what you're paying off while interest is still being accrued. Could not praise it more. Really think it is worthy of an award!!

I've been using this app for the past three months, and it's really helped me focus on my goals. The app makes it very easy to set up bill information (bill name, payment, interest rate, due date if you want, and other info if you want to add it) and an easy plan to follow with a choice to pay off in a way that best suits your needs. It's much more encouraging and engaging than tying on a spreadsheet. Great job on this app, developers!

This is a very basic, but useful app. I love that I can edit my details very easily. It is very motivating to see how long it will take to pay off my debt based on how much effort I'm willing to put in. Tip: always make the "minimum" payment of your first debt (that you want to pay off) the maximum you are willing to budget. It will reduce the amount of time to being debt free.

I like this app. I want to really like it. Just paid off 5 credit cards thanks to ut organizing. However, when I make a payment it adds what I had available to pay to the next debt for the same month! IE, I have one card I paid $699 on and another was for the minimum payment. Now it shows the one for the min. payment to be paid the min. plus the $699 this month. And instead of a Oct payoff, I now have a Sept. Take screen shots before entering payments. If it wasn't for this, I'd give 5 stars.

Couldn't of got out of debt without this, a little clunky at times and I wish that they had the option to account for multiple payments throughout the month however apart from that. This has been absolutely essential to me digging myself out of a hole of debt. Would recommend the pro version for the amortization features, I know it defeats the point spending the money to pay off debts with an app but for me personally it was worth every penny.

So I love this app, except for one very significant thing. If you consolidate debts onto a different credit card, for example for a lower interest rate, for a debt consolidation loan, it reads whatever you "paid off" as an amount that's available to throw at everything else. The debt has only been moved to a different account. But now #'s are off. I don't want to delete the old debt--like I have done previously - - because then I lose the proof of how much debt I've actually paid off. $138k.

love the app. however after the Dec update, it keeps crashing. I won't purchase it until I know this problem can be fixed. using it on a lenovo 10 tablet and HTC U11 LIFE cellphone. thx for an otherwise great product. UPDATE: Un & re-installed app to see.... It worked for awhile and took note that it was crashing on advertisement appearances. If you happen to be adding or changing info when an advertisement kicks in, it crashes. You have to CLOSE ALL THE WAY OUT BEFORE opening app again. You are lucky to get 2 to 3 changes before it crashes again. Almost always by the 3rd change in one session. Does this go away when you purchase an ad-free version? Because it's a pain to keep restarting and re-entering data. Like I said, I would purchase but not until I know whether this problem is connected to the free version only or a fix that's needed whether free or ad-free. Thx. Will update rating with reply / fix.

I love this app!! I have all my debts listed and have put a snowball option on them, that shows me that I will be out of debt in 8 years ( including my house)! I never could figure out how to calculate that on my own. And entering new payments made is a breeze, I feel like I'm getting somewhere! I get weekly emails showing how much I have paid during that week and it's nice to see that amount because I never tracked that before. I love this app!!

I purchased the Pro Membership. Although it was exciting to focus on the debt with a plan, it was extremely demoralizing. By month two I realized the system doesn't update the current balance to include interest accumulated and applied every month. Thus, every closing date I'm scrambling to get a realistic view of the balance and payoff, a problem that compounds every month as new interest is added to the balance. After all this work the app has failed me.

Excellent! I do use also Dave Ramsey snowball effect. But I couldn't look at it each month and see where I was really standing on paying off our debt. When I started using this program I got excited! I could see our debt go down fast, I needed to move 35 dollars to pay off a bill, I found the 35 dollars in our budget to move, WOW what a rush, felt like I accomplished something. Excellent program, have told many many people about it. Thank you.

This app is just what I've been looking for. I wanted an app to help me payoff my debts and able to calculate the payoff times with the snowball method. I cannot do this manually. My brain doesn't get interest rates, APR, etc. I was feeling completely overwhelmed by the amount of my debt and like I would never be free of it. But with this app I can have most of my debt paid off in 3 yrs. This is so awesome. Like a huge weight has been lifted. Thank you!

I love this app for holding me accountable to my debt. I didn't like having to add the payment and amount of interest paid every month though it actually helped me see how painful it is to have that much $$$ going out for interest. I also love the payoff date feature. I pay extra just to see it roll back. It's like a mini personal challenge. ❤

this review maybe subject to change later but right now, this app is exactly what I was looking for in a debt manager. it displays everything that i was wanting to see such as the pay off dates, early pay off dates if i pay extra or up my payments. it doesn't ask for personal information. and this is only the free version. it has shut down on me twice but it hasn't erased information.

It would be great is the option to pay in order of smallest to largest balance even changed anything. Even after changing the setting it was calculating paying off my mortgage first. This is why I try before I pay. Totally useless unless you enter Bill's in the order you want to pay them off. Will be uninstalling.

I absolutely love this app. It is much more versatile than other debt snowball apps!! Customize the way YOU want to find out how your total payoff time can decrease if you pay extra. The app makes updates based on customer suggestions and requests. They are responsive by email if there are questions about using the app. I started with around 450k of debt, so I have a long payoff time, and I have found the paid version has MORE than paid for itself. Desktop and mobile makes it very user friendly!

Great app however I wish I could turn off some debts. I'd like to include my student loan into the app however I'm in no rush to pay this off. I'd also like to turn off the mortgage to see how long the other debts will take. Instead it means deleting the debt then adding it back on. Which is extremely time consuming. If this feature was added then I'd mark it 5 out of 5.

I love this app! It's so simple but it really has helped me pay off debt. I stay more organized, and seeing a breakdown of principal and interest on my payments helps to visualize how long it takes to pay off and how much interest I'm paying. Watching that green progress bar is so motivating. Highly recommend.

I've been using this app for over a year with no problems, other than annoying ads from time to time, but today it just opens up as a blank app. I uninstalled and reinstalled it and it is still just a blank app this morning. Meaning opens to a blank white page so to speak. I probably have lost all my info. Frustrating.

Very Helful Even as the Free Version. Definitely gave me a better overall picture of debt. I love the payoff plan. I'm still getting hung up on adding in payments and the total balance comes out wrong? Probably user error honestly. Definitely worth the $19.99/year. You can pay monthly as well for only $7.99!