Credit Card Payoff Tracker App

This credit card payoff tracker is an interactive app that shows which card to pay first, how much interest each plan costs and your estimated debt-free date.

Add each card with its balance, APR, minimum and credit limit, then let the debt snowball calculator or the avalanche plan (highest APR first) set your payoff order. It replaces the credit card payoff spreadsheet you keep fixing: no formulas, no cells, nothing to set up.

It's a web app that opens in your browser on your phone, tablet or computer. It is not an Excel or Google Sheets file, and not printable pages.

What You Get

• After purchase, your PDF includes the private access link and quick-start guide.
• The app (inside, it's called Debt Payoff Tracker: your cards plus any car, student or medical debt in one plan)
• Optional sample data (4 cards, a car loan and a medical bill) to import from Settings and try every screen first

Your Devices And Your Data

• Opens in the browser on iPhone, iPad, Android, Mac and Windows
• Works offline once it's open
• No account needed: every change is saved on your device first
• Optional free cloud sync, to use it on more than one device

Your Payoff At A Glance

• Estimated debt-free date, total left, paid off so far and the next card to attack
• Interest you'll save compared with paying only your minimums
• "Log a payment" and "Log extra payment" right on the home screen

Every Card In One Place

• Balance, APR, minimum payment and payment day on each card
• Add a credit limit to see utilization for each card and across all your cards
• A payment-day countdown on every card
• A warning when a minimum doesn't even cover the monthly interest
• Used a card again, or interest posted? Add a charge and your earlier progress is kept
• Store cards, car loans, student loans, medical bills and more: add as many debts as you have

Snowball, Avalanche Or Your Own Order

• Set one monthly amount: the app covers every minimum, then puts the rest on your target card
• Snowball, avalanche and your own custom order side by side, with debt-free date and total interest
• A clear warning if your monthly amount is below your total minimums

What-If And Balance Transfer

• Slide an extra monthly amount or a one-time payment and watch the date move
• Balance transfer what-if: move one card to a 0% offer and see if it still saves money after the fee

Payments And Charges

• Log regular, extra and windfall payments with notes
• Charges and posted interest sit in the same history; delete an entry to undo it
• Monthly bars and your total paid

Month-By-Month Schedule

• For each debt: payment, interest, principal and balance, month by month
• The month each card is cleared, and the estimated interest on each debt

Credit Score Log

• Type in your score whenever you check it: a 300-850 gauge, score band, trend chart and points since your first entry
• Your total utilization on the same page

Progress

• Progress ring, milestones and a journey chart of what you've paid

Your Data, Backed Up

• Export to CSV: your debts, payments and charges, or credit scores, to open in any spreadsheet
• A full backup file, plus restore points: one a day for the last 7 days, and one before each import, erase or restore
• Optional payment-day alerts. They only show while the app is open in your browser
• Print-ready screens and a built-in help guide

Made Yours

• 3 themes: Midnight (dark mode), Daylight and Momentum
• English, Español and Français
• 14 currencies
• Want something changed? Customization is on request
• Free updates
• One-time payment. No subscription

Good To Know

• You type in your cards, payments and scores. It doesn't connect to your bank, your card company or a credit bureau
• Dates and interest are estimates from the numbers you enter (each month's interest is the APR ÷ 12)
• It logs your credit score; it doesn't change your score or repair credit
• A tool to organise your payoff, not financial advice
• On this device only, clearing your browser data erases it. Export a backup now and then, or turn on cloud sync
• Screenshots use sample data

What You Need

• A phone, tablet or computer with Safari, Chrome, Edge or Firefox
• Internet to download the app and, if you choose, for cloud sync

What You Don't Get

• Nothing is shipped: this is a digital item
• Not an Excel or Google Sheets file, and not printable planner pages
• It isn't from the App Store or Google Play: it runs in your browser
• Nothing preloaded: the app starts empty, and the sample data is optional
• For personal use only. Please don't resell or share it

Digital Download Note

Digital items can't be returned or exchanged.