Debt payoff planner
A calculator answers a question once. A planner keeps the answer up to date: you save the debts you entered, log payments as you make them, and the payoff estimate moves with reality instead of with your last guess.
That is the difference between the free calculators on this site and the app. The arithmetic is identical — it is the same engine — and what you are paying for is not doing the recomputation yourself.
What it does
Holds every debt you owe with its rate and minimum. Recomputes the payoff estimate whenever something changes. Records payments as you log them, and shows what you still owe as a single falling number with a date attached.
What it does not do
It does not connect to your bank, pull your credit, move money, or watch your spending. Payments are entered by you. That is a deliberate limit and it is described in full on the manual tracking page.
Try the arithmetic before you pay
The calculators here need no account and no payment. If the numbers are not useful to you, the app will not be either — start there.
Related
Reviewed 2026-09-17.
Dang! Payoff is a manual-entry debt payoff planner and tracker from Dang Apps LLC. It is not a lender, credit counselling agency, debt-relief, debt-management or debt-settlement service, and nothing here is financial, legal or tax advice or a recommendation about your situation. Your issuer’s or lender’s own terms govern your account.
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