Debt Payoff Planner & Tracker Reviews

by Lotusflower10

I’ve used other apps on my debt pay off journey. This is super easy. I paid for the Pro version (I hate ads). I love the concise plan to pay off. I just started with DebtPayoffPlannerTracker today on 28 Nov. The 3 stars is because I put my due dates in and DebtPayoffPlannerTracker says that my payments are past due. It should calculate that 20 Nov is past and roll to 20 Dec. There is no “ Help” link so I don’t know how to fix this. It’s a small thing I know, but it just doesn’t make sense to me. I logged in on my laptop to see if there was an option to fix this, but I don’t see it. I tec combs DebtPayoffPlannerTracker because I’m always second guessing my self on what to pay when I have extra $.

by Polarrose123

This makes it easy to track my debt and it encourages me to look at my debts each month and really keep everything in mind. I just wish that in the snapshot of the debts that it gives you it would show you the minimum payments and interest rates so you don’t have to click into each one to look at it. It would help me make more informed decisions on how to handle it all and how to approach a mixture of snowball and avalanche methods to best get out of debt by letting me compare everything on one screen instead of trying to remember a bunch of different numbers while clicking into each debt.

by NuclearWynter

I wanted to give DebtPayoffPlannerTracker 5 stars but I couldn’t. it is a great app but fact that it doesn’t build into DebtPayoffPlannerTracker the calculation needed to allow you put in your total payment and deduct your principal paid based on APR. I would have even given it 5 stars if that was a feature offered on the paid version of DebtPayoffPlannerTracker but it doesn’t appear that’s the case. The result is I have to use an amortization spreadsheet in Excel to determine the amount of principal I paid from a total payment then I put that in DebtPayoffPlannerTracker . It’s an extra step I wish I didn’t have to do. Otherwise great app.

by Watchin18

I just started using DebtPayoffPlannerTracker and it is excellent. It is fast to set up (watch the Getting Started video) and has very easy inputs. It literally will take just a few minutes to get it going. A couple of things I’d like to see: right now it shows how many years and months it will take to get debt free. If you put in an amount you can pay extra every month, it will give you new payoff info. But there is not comparison panel or graph, so if I’m experimenting with say $50 extra per month, then $75 extra per month, then $150 extra per month, I have to remember the original calculations. It’s a minor thing I suppose, but it would still be useful to be able to see a couple of the payoff timeframes side by side. Also would be helpful to be able to easily print from DebtPayoffPlannerTracker . I will be recommending this to clients as a simple, convenient, mobile tool for them to carry around. Thank you!

by MossFamilyStar

Our family is currently carrying a lot of debt from student loans, mortgage, credit cards, and more. I love the amortization options and how you can play around with your pay off order and DebtPayoffPlannerTracker will let you know how long it will take and the amount of interest overall you’ll pay for different scenarios. Love it so much that I bought the one year subscription which is very affordable for what DebtPayoffPlannerTracker provides.

My only suggestion is it would be great to be able to change the due dates on different accounts. In the beginning when I added accounts that I had already paid for that month and the due date was in the past, it showed up as being overdue for that month. Also, on some accounts I’ve paid a month or two ahead to have an emergency cushion. Seeing overdue when it’s not, is stress inducing.

by Leelpatt

So, in looking for a debt snowball app I wanted to compare the prices. Apple has this feature for “in-app purchases” so you can see the price of the upgrade(s) before you download an app. This one didn’t have that, so I assumed it was free. I wasn’t necessarily looking for a free app - but I wanted to make an informed decision on whether or not the price was worth the features for each app I considered.

However, after downloading this and signing up I found there is a pro-membership. Finding the fees for that requires you to go to Safari and sign in on the web - pretty cumbersome and then I find the fee is a monthly $5 (or less if you pay more upfront).

The product seems to work well enough so far, but all of the steps to get an accurate picture of the cost seems incongruous with the nature of your product.

by Brandon From State Farm

Easy UI and great information. Valuable enough that I purchased the 2 year membership because I like to play with numbers. Cons: It forces you to snowball or avalanche all bills. There is no option to just not roll a paid off bill into the next larger bill. I’ve accepted that my wife will always have a car payment but DebtPayoffPlannerTracker assumes she won’t get another vehicle before our mortgage is paid off. Suggestions #1: The ability to easily schedule future RECURRING one time payments would be amazing. I don’t want to manually input 24 separate biennial one time payments. Each new payment starting from todays date too. Suggestion #2: Allow me to schedule biweekly payments even if it is a monthly bill.

by Amyb0776

This is a great app to guide you in paying off your debt. It does not ask for account numbers just names, balances and interest rates. You can put any name for the debt if you do not want to use the real name. It even has introductory rates available. The only thing I would add is maybe a deferred spot for student loans. I can see the light at the end of the tunnel with only paying an extra $75 a month on my debts. I have even turned my sister in law onto DebtPayoffPlannerTracker. When I added my new mortgage and it showed I could be debt free in under 10 years for my car, credit cards, student loans and a new mortgage, I was ecstatic. I am not one to stick to a budget but I do pay my bills, even if it is just the minimum, and I have been logging every payment and excited to do so.

by More Receipt Options

DebtPayoffPlannerTracker has been just what I needed! I love the options to either enter the payment details manually or use the Payoff Plan Estimate for your monthly entries. It will not automatically credit your payments monthly which is great because it forces you to look at your payment amount each month so that you can see your accomplishments. Also if you have budgeted extra money to pay each month DebtPayoffPlannerTracker will allow you to add it. If you get a surprise gift of money you can take that amount to pay down your debt as a Snowflake option. I’ve tried another app for debt payoff but DebtPayoffPlannerTracker is the best by far. I’m amazed at the choices I have and not having to pay for the pro version. I did create an account but the best part is that you don’t have to provide account numbers, just name the account whatever you like add details and voila your on your way to being debt free! I’m definitely addicted to DebtPayoffPlannerTracker. The COVID-19 pandemic has made me put a lot of things into perspective for the better and forced me to save when I normally wouldn’t. I’m looking forward to having this debt paid off for good in less than three years. 🙏🏾🙌🏾

by Anime-mistress

I've used several different apps, trying to find the right one for my needs. After one session with DebtPayoffPlannerTracker, I knew I had the right one! Even though my bills only show in the order I enter them, the breakdown of how to pay, what to pay and for how long is easy to follow and specific. Everything you need is available if you enter everything you can, right down to the interest rate! I am now following my plan and loving the results!!

by JERSEYGIRL726

I only came upon DebtPayoffPlannerTracker because I was invited to a Zoom meeting by someone who was selling a system to pay off debt and help people become financially free. I googled that company during the Zoom and noticed that they were charging several thousand dollars for the ability to do what THIS FANTASTIC app does....
So glad I found DebtPayoffPlannerTracker while googling for less expensive solutions..
it was so easy to insert our info into this DPP app....I could see light at the end of the tunnel....I love how you can select different ways of paying down debt and instantly see how it shakes out down the road....I can proudly say that we’ve chunked down our debt already and have discovered tips on how to reduce the interest each month....I will now pay our car loan and our mortgage twice per month.... DebtPayoffPlannerTracker is visually appealing as well......when I open it, the colors greet me with hope and joy...that may sound corny, but it’s true! Koodos to whoever developed it!
THANK YOU...THANK YOU...THANK YOU.....I HAVE RECOMMENDED DebtPayoffPlannerTracker TO SO MANY PEOPLE ALREADY!!!

by Project Mgr

I love DebtPayoffPlannerTracker! The developer is smart to incorporate into the design the ability to view three different payoff models. It’s easy to run different options to compare the best outcome for your specific situation. One option allows for you to define the order precedence yourself. I personally like this option the best. For example, I wanted to pay off an collateralized auto loan before moving on to my non-collateralized credit cards. I will definitely renew my subscription until I am totally debt free. Great app!

by Sisterbigbones

I have more than 20 cc’s several loans and
I could not see a way out. After entering my information into DebtPayoffPlannerTracker. It’s really helped me put things into perspective. Although I have a long journey ahead of me I can see it’s possible. It is quiet tedious to enter and update your info but it keeps you honest. Also motivates me to become more aggressive in paying down my debt. And NOT continue to use credit. It’s worth the $24 per year. You will not be disappointed. I was considering bankruptcy. But with some sacrifice and dedication I’ll be debt free in 4 1/2 years.

by Itsangelanewman

I love DebtPayoffPlannerTracker! Helps break down the expenses owed to credit and debt collections to make the monthly payments. DebtPayoffPlannerTracker told me less than 2 years I can get at least 6 of my debts paid off within this year and my car payment less than 2 years compare to 5 years if I stick with this plan method. I like DebtPayoffPlannerTracker to stay on track of debt and motivated goals that I’m upgrading to the year subscription until I’m debt free! Get DebtPayoffPlannerTracker if you’re trying to pay off debt fast and be debt free DebtPayoffPlannerTracker works!

by Kelliswen

Hi!
I really love DebtPayoffPlannerTracker and the picture that it gives/plan it has helped me make. I also like that I am able to enter promotional APRs! One thing that would be EXTREMELY helpful to me would be the ability to check off that my planned payments for the month had been made. Or, a way to know that I had reached my payoff goal/plan for the month. As someone who was spreading myself too thin trying to pay everything at once, I would like to be able to see that I am “done” with making payments for the month and that I’ve paid “enough” to stay on track with my plan.
Thank you!

by Jfhrjfifj

I kept paying the minimum payment on my credit cards and never seeing the light at the end of the tunnel. With DebtPayoffPlannerTracker. I am able to track everything and see the progress I am making. Just put in all your debt, add you minimum payments and APR, and add any additional money you want to put towards your debt each month and it will give a detailed layout of the exact month you will be DEBT FREE. It uses the snowball effect, meaning once you pay off one debt, you put that minimum payment towards the next debt you want to pay off and so forth. I also purchased DebtPayoffPlannerTracker to be able to use it on my laptop to keep track of it as well. Highly recommend if you haven’t downloaded already!!!

by OlZalibraLou311

I’ve looked around for other apps but this is the absolute best one! If you’re a goal oriented person, this is the perfect app. It gives you a break down and time line. So you can get realistic and really see what it takes to pay off your debt. You can play around with it and find the perfect strategy to meet your goal. And with the timeline and breakdown it gives you, you no longer feel discouraged. It honestly puts you at ease and shows you you will be debt free... it’s just gonna take a little while ☺️ I don’t ever rate apps. But DebtPayoffPlannerTracker again... was amazing. I am super grateful for this and I am SO much more closer to being debt free then I was just doing it myself. I even have my boyfriend using it and he loves it too! Again, the timeline and break down it gives you really let’s you know, “You CAN do this!”

by Kernman

I’m glad I found DebtPayoffPlannerTracker. I even upgraded to the pro edition. It’s simple to use and very intuitive. It pairs perfectly with my daily podcast consumption of the Dave Ramsey show. I prefer DebtPayoffPlannerTracker to the tools he sells. I open it up every morning, even if I’m not making a payment, just to remind me of how much debt I have and progress I’ve made to keep me motivated. It takes a little scrolling to use on the phone, so when I’m in bill pay mode I generally use the desktop version instead. To the people complaining about the balances not being exactly to the penny, it’s not designed to be a checkbook register or to reconcile your account. It might be off by a few cents or even a couple bucks, because of how interest rates work and the number of days vary in each month. You are missing the point of DebtPayoffPlannerTracker . Stop complaining and just use it as a guideline for progress. Nice job.

by MaurCil0806

As many previous reviews state, DebtPayoffPlannerTracker is one of the best out there if you are serious about paying off your debts. I fell into the credit card trap little by little, until one day I realized I was becoming overwhelmed by outrageous interest rates. I tried to figure out how to pay these debts on my own, but every time I had a few extra dollars from paying off a debt, it never seemed to go towards paying off the next. DebtPayoffPlannerTracker breaks down a realistic timeline for me, with easy to understand visuals and charts, and keeps me motivated to stay on track! It's wonderful knowing how much I need to apply to each monthly payment without the temptation of using the money "elsewhere". It is truly the light at the end of the tunnel for me! Although some reviewers state they would like an option to include recurring payments so they don't have to manually enter the amounts each month, the
I find that to be part of the motivation in actually entering that amount and seeing the balance go down. Love DebtPayoffPlannerTracker!

by Llallalla0117

I don’t think I’ve ever written a review for an app but I came here to say that if you’re starting your journey of being more mindful of your debt and actively trying to change your spending habits, DebtPayoffPlannerTracker is necessary. I’ve been using it for 3 months now and it’s helped me see my spending more clearly and plan to rid myself of debt. Today after using is for 3 months I just paid for 2 years of pro (something I never do on apps) because I see this being an app I use maybe forever? It’s seriously so amazing to help you stay organized and successful in paying off your debts! Can’t say enough good things!!!!

by Mudmasher

I’m sorry to say I had to call it quits for DebtPayoffPlannerTracker. I’ve been using it for a while now but have had consistently increasing problems with stability and crashing.

I was able to tolerate that for a while because of its great user interface and features, but manually adding the payment after manually calculating the interest and fees became too cumbersome, especially when DebtPayoffPlannerTracker would randomly refresh losing all my work.

I’m sad to say I had to move on to a different app 😢. There are several apps that do all of the interest calculations and payments automatically with an easy tap of a button and don’t charge a fee for “pro features”. I’m now using them. Sorry.

by ESlike711

It’s not completely user friendly. It does not include commas, even for five figures. I tried to include them myself, and it erased the entire entry. Very irritating. It is also inconvenient to have to enter in my payment to my principle only. I have to search for that on my loan website, and it gets tedious.

However, aside from that, I do like the layout. I like that it shows the progress I’ve made, how far extra payments will get me, and current & starting balance. But please include commas! Seeing a bunch of digits next to each other is not settling to the eye when you’ve been trained your whole life to use commas for 5+ figures.

by Areguera

I am loving DebtPayoffPlannerTracker. However i found that 2 important features are missing. You can put your actual balance but theres no way to put the starting balance off the debt so you can track how much you paid off since yo started using DebtPayoffPlannerTracker but nit a true value for the debt.

The other feature that will bump my score to 5 stars will be if DebtPayoffPlannerTracker is able to automatically deduct every month the minimum payments from your accounts and leaving the manual input so you can add the extra payment you did to the debt you are working at said time.

by Iam Uprise

I’ve been using DebtPayoffPlannerTracker for a few years and have tried others, but I like this one. However a few things would make it better: 1) When I make a credit card payment, for example, the interest that I have to pay is automatically calculated. Instead I have to check my credit card statement. 2) I want to be able to pause some debts. For example, I’m paying student loan interest and can’t pay the actual student loan debt until the interest is paid. So I really don’t have an accurate date for when my debt will all be paid off.

by Ranger0793

This is what I wanted and needed. I like this because it provides good visuals of the debts in a pie chart. The best thing about it is that it gives you a step by step plan to paying off the debts. It outlines how much to pay on each debt and when that one is paid off it tells you where to apply that old payment along with how long you will have to pay on that debt.

by Akabara911711

I’ve spent countless hours trying to gather all my finances into Excel, only to forget about it and find it months later, totally out of date. DebtPayoffPlannerTracker is amazing and captures almost everything in my spreadsheets except now it’s information at my fingertips! I do wish there was a way to add in planned extra payments for things like tax returns and the extra pay periods/bonuses, but even without that, DebtPayoffPlannerTracker is amazing!

by Hopefully 2.5

It has been overwhelming to actually sit down and try to figure out the best way to handle my debt or even see where I stand. After entering my information and selecting which way will work for me from three selections of low to high, high to low or apr I have a clear view and a plan to get under control.
It has all been very simple. Thank You!
I will reevaluate in a few months and review again but so far I’m impressed.

by Ekabna

I have used DebtPayoffPlannerTracker for probably 6 months now. Had a few questions early on and support emailed back quickly with solutions. This gives me a monthly snapshot of where I am financially and how long it will take me to reach my payoff month. It makes it simple. If I make the payments as suggested, I will be debt free in August 2021! I would never be able to figure out how much to send to what creditor to make that happen on my own. So glad I found DebtPayoffPlannerTracker!

by S_Reck

I am hanging on a bit longer and hoping this will be fixed, but DebtPayoffPlannerTracker just keeps randomly refreshing. It never did this before, and it has always been a great app. I love the new feature where you can use the payoff plan calculations. However, if the glitch isn’t fixed, I will be searching for a new app soon.