PayAway: Debt Payoff Planner
Jack Maloney Finance iPhoneiPadiPod touch
PayAway: Debt Payoff Planner is a free Finance app for iPhone and iPad by Jack Maloney. Rated 4.1/5 from 14 ratings. Requires iOS 15.0.
- Rating
- 4.1
- 14 ratings
- Price
- Free
- on the App Store
- Size
- 21 MB
- Age 4+
- Updated
- Jul 23
- 2025 · v1.1.4
Screenshots
About PayAway: Debt Payoff Planner
Overwhelmed by debt? Meet PayAway – your all-in-one debt payoff planner and tracker that helps you pay off debt faster and boost your credit score at the same time. Using our proprietary Credit Utilization Method, PayAway optimizes your payoff plan to improve credit health while crushing debt, outperforming traditional Snowball and Avalanche strategies in saving money and time. Key Features: All-in-One Debt Tracker: Organize all your debts (credit cards, student loans, auto loans, etc.) in one place. See balances, interest rates (APR), and due dates at a glance. Personalized Payoff Plans: Choose a strategy that fits you – Debt Snowball (smallest balance first), Debt Avalanche (highest interest first), or let PayAway suggest a custom plan tailored to your goals. Smart Debt Snowball Calculator: Instantly calculate your debt-free date and interest savings under Snowball, Avalanche, or any extra payment scenario. Adjust payments to see “what-if” scenarios and find the fastest payoff path. Exclusive Credit Utilization Method: Boost your credit score as you pay down debt. PayAway prioritizes payments to lower your credit utilization ratio, helping raise your credit score faster than Snowball or Avalanche alone. Budget & Extra Payments: Set a monthly debt-payoff budget so you know exactly how much extra cash can go toward debt each month. PayAway shows you how even small extra payments can save money on interest and shorten your payoff timeline. Progress Tracking & Alerts: Stay motivated with interactive charts and milestones. Watch your debt shrink and get notified when you hit payoff milestones or when a debt is paid off. Easy & Intuitive: Designed for Gen Z & Millennials, PayAway features a clean, uncluttered interface. No confusing finance jargon – just a simple, powerful debt payoff tool that puts you in control. Secure & Private: All data is stored securely. No bank connections required – you’re always in control of your information. Why Choose PayAway? Unlike one-size-fits-all budgeting apps, PayAway is laser-focused on helping you become debt-free and build credit. It’s your companion on the journey to financial freedom. Our app doesn’t overwhelm you with features you don’t need. Instead, PayAway gives you a clear plan, tailored advice, and the motivation to stick with it. Save money, eliminate debt, and watch your credit score rise – all in one app. Whether you’re juggling multiple credit cards or paying off student loans, PayAway has you covered. It’s perfect for: Credit card debt – tackle high-interest balances and break the cycle. Student loans – manage loans and pay them off sooner. Auto or personal loans – keep track of loans and plan early payoffs. Debt snowball fans – if you’re looking for a debt snowball calculator, PayAway provides one with an extra credit-boosting edge. Anyone who needs a debt tracker and payoff planner – and wants to improve their credit score while doing it. Start Your Debt-Free, Credit-Boosted Journey Today Don’t let debt hold you back. Download PayAway now and take control of your finances. See how quickly you can pay off debt and achieve the freedom of a debt-free life with better credit. The sooner you start, the sooner you’ll celebrate being debt-free and building a brighter financial future. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & reviews
4.1
14 ratings
What’s new
Version 1.1.4 · Updated July 23, 2025
Simple bug fixes.
App privacy
The developer, Jack Maloney, reported these privacy practices to Apple.
Data Linked to You
The following data, which may be collected and linked to your identity, may be used for the following purposes:
- Financial Info: Other Financial Info
- Contact Info: Email Address, Name
- Identifiers: User ID
Used for: App Functionality
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Usage Data: Product Interaction
- Diagnostics: Crash Data
Used for: Analytics
Alternatives to PayAway: Debt Payoff Planner
Looking for apps like PayAway: Debt Payoff Planner? Here are 6 similar apps on the App Store. The highest rated is PaidOff: Debt Tracker (5.0/5), and all 6 are free to download.
-
Debt Payoff Planner - Monnelia
4.4
-
ClearDebt: Snowball Planner
3.5
-
Debt Payoff Planner - Snowball
4.0
-
PaidOff: Debt Tracker
5.0
-
Debt Guide - Payoff Planner
4.8
-
Debt Payoff Tracker & Planner
5.0
| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| PayAway: Debt Payoff Planner | 4.1 / 5 (14 ratings) | Free | July 23, 2025 | |
| Debt Payoff Planner - Monnelia | 4.4 / 5 (11) | Free | Mar 21, 2026 | Compare |
| ClearDebt: Snowball Planner | 3.5 / 5 (2) | Free | Sep 16, 2026 | Compare |
| Debt Payoff Planner - Snowball | 4.0 / 5 (21) | Free | Sep 13, 2026 | Compare |
| PaidOff: Debt Tracker | 5.0 / 5 (8) | Free | Oct 5, 2026 | Compare |
| Debt Guide - Payoff Planner | 4.8 / 5 (49) | Free | Jul 18, 2026 | Compare |
| Debt Payoff Tracker & Planner | 5.0 / 5 (11) | Free | Aug 13, 2026 | Compare |