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Debt Payoff Pro Positive Reviews

Overall good but minor(or major) complaintsI 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.Elizabeth disonVersion: 5.1

I like it but it could use some updatesThe 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..Kayle&kidsVersion: 5.0

Really like thisSeems 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....Jbush76#Version: 5.0

Just needs one little fixGreat 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!!!!.MommySueFullerVersion: 5.0

AwesomeI 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..HightopforbithVersion: 5.1

Very helpful appI’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..Jbrenee72Version: 5.1

What’s the differenceI’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..E HuthVersion: 5.1

I like it, but it needs minor improvementsOnly 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..Ogive-1Version: 5.1

Good purchaseThe 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..KatanndVersion: 5.1

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..AtomicjafiVersion: 5.0

Needs more optionsI 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!!.Twm69Version: 5.1

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..AppglutonVersion: 5.1

Great AppThis 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.Racquel_thVersion: 5.1

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..Pam's NanoVersion: 5.1

Can’t reset payment datesI 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..FCC hhVersion: 5.1

It’s OkIt’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..Supercj21354Version: 5.1

Let us add extra payments on different daysWorks 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..Christian20023Version: 5.1

Mediocre appFor 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..Gcon3rasVersion: 5.1

Needs moreNeeds 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.Nina koshkaVersion: 5.1

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!.MurLolaVersion: 5.1

Good but not greatI 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..MfergieatlVersion: 5.1

Ok app, it’ll doIt’s all fine and dandy, however. I wish I could change to weekly payments instead of monthly.Dayvid7490Version: 5.1

ExcellentExcellent 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..Yiayia37Version: 5.1

Good app missing one feature thoughGreat app, needs the ability to add in extra payments when you can..JohnthedogtrainerVersion: 5.1

Great App!It really helps to be able to see when I can get my debt paid off..EigurVersion: 5.0

I like it generallyWish it allowed weekly payments or some other structure rather than just monthly only..CastawayredVersion: 5.0

PerfectExcellent! It does everything I would expect and more. Thank you..HoacksopVersion: 5.1

OkayI love the layout and simplicity. I wish I could view it from multiple devices. Everyone has multiple devices these days..GjlugdwVersion: 5.1

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..SwthrtldyVersion: 5.1

Making a paymentApp is great except, I have no place to put a payment when I make a extra payment or pay off early?!?!?!.Tthatt1Version: 5.1

Simple AppWould 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!.HarleypipVersion: 5.1

Love This App!This is one of the best apps that I have ran across. Puts it all right in your target zone. Done..50andHoldingVersion: 5.1

HelpHow do I like this to different devices.DdmountsVersion: 5.1

Needs updatingWhen I enter the info for my debt the dates are off. They are back dated..MihimeVersion: 5.1

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!.Cjmitchell427Version: 3.3

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!!!.KellyraamVersion: 3.0

Stuck in 2018Love 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..Sugarbuzz79Version: 5.1

Like it but needs some tweaksMost 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..RaphiaFreeVersion: 3.5.3

Bi-weeklyI 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..Ak12345678990Version: 5.1

Useful, but missing start date field on reportsThis 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..Floating.PointVersion: 5.1

Almost perfectMake an option for BI-WEEKLY please then it's perfect..Emilie_hopeVersion: 4.0

BasicThis 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.HmgaVersion: 4.0

GoodWould 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..BobbyLee9Version: 4.0

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..Megsss24Version: 3.5.1

Please add the biweekly payment optionGreat Great Great app ... Two new features must be added : - biweekly payment option. - skip a payment option. Thanks.Salim Al-AkhrasVersion: 3.5.3

Good, could use a little workDoes 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..Nick306Version: 3.5.2

Sync between devicesThe 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..HtioumouVersion: 3.5

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!.GskeldingVersion: 3.5.1

Great AppI 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!.CacandmimiVersion: 3.3

Missing One Key FeatureI 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..KCBillardVersion: 3.3

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Debt Payoff Pro Negative Reviews

Debt entryNeeds 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.RangerMuffyVersion: 5.1

Its okIt 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..Starr864Version: 5.1

Same as free versionI’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..GsnjdidnenekkeVersion: 5.1

App needs workThis 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..TowanasreviewVersion: 5.1

Needs a lot of work to edit and make usefulAfter 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..Old HMVersion: 5.1

Not AccurateIt’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..Mjones1970Version: 5.1

Not helpfulI just upgraded to the pro version thinking I would be able to change dates but nope, still just shows whatever date it wants. Deleting..AshleeetaVersion: 5.1

Not helpful at allAfter 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..MagsJPMVersion: 5.1

Not impressedDon’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..Dontbwaste your moneyVersion: 5.1

Not impressed!!!!!!Not much different from the free version!! It could use improvements, a lot of improvements!!!.JoeJMVVersion: 5.1

Dates are WRONGWhen 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..Frylock74Version: 5.1

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..SturmBVersion: 3.3

CarlosPlease FIX IT or take it out of the market. Be honest with customers. Give them a good product; not this joke app..Carlos,s musicVersion: 5.0

$Paid for the upgrade and it’s no different then the free one. Waste of money..Tomahawk3103Version: 5.1

Good AppThis will be an amazing App if it include weekly & bi-weekly in time period payment..Abbeyone!Version: 4.0

Add Biweekly PaymentThis 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..Smokinjo36jtVersion: 4.0

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..Test89aVersion: 3.5.3

App has problemsDon't waste your .99 there are better websites that will allow you to track your progress much better.AidenableVersion: 3.5.3

DisappointedA 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.SpedrossVersion: 3.5.3

FrozenThis app was useless as it froze on first use and never got better.PegboyVersion: 3.5.3

GarbageDon'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..HH1234567Version: 3.5.2

DougybearNeed 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..Dougy1bearVersion: 3.5

Don't waste your timeThe 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..China guyVersion: 3.5

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