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Screenshots

  • Payoff Dots: Debt Tracker screenshot 1
  • Payoff Dots: Debt Tracker screenshot 2
  • Payoff Dots: Debt Tracker screenshot 3
  • Payoff Dots: Debt Tracker screenshot 4

About Payoff Dots: Debt Tracker

Payoff Dots makes paying down debt feel visible and achievable. Add your balances, record updates, and watch each payment fill your payoff dots. The dashboard brings every active debt together while individual pages show exactly how far each balance has moved. FEATURES • Visual payoff dots for every debt • $100 dots for balances up to $25,000 and $1,000 dots above that • Overall and individual progress tracking • Quick balance check-ins • Archive completed or paused debts without deleting them • Discreet widgets that never show dollar amounts • Small, medium, and large widget layouts • Light and dark appearances designed for iPhone and iPad • Private iCloud sync across iPhone and iPad • No separate Payoff Dots account required FREE AND PRO The free version supports up to two active debts. Payoff Dots Pro is a one-time purchase that unlocks unlimited active debts. There is no subscription and no advertising. PRIVACY Your debt information is stored on your devices and in your private iCloud database for syncing. Waypoint Labs LLC does not operate a separate debt-data server. Payoff Dots does not include advertising, third-party analytics, or tracking. Payoff Dots is a tracking tool and does not provide financial, lending, tax, or investment advice.

What’s new

Version 1.2 · Updated September 14, 2026

• Fixes a crash that could occur when opening Emergency Fund setup on certain iPhone and iOS versions. • Adds optional credit limits with utilization tracking and utilization-based sorting. • Includes stability and usability improvements.

App privacy

The developer, Waypoint Labs LLC UT, reported these privacy practices to Apple.

Data Not Collected

The developer does not collect any data from this app.

Alternatives to Payoff Dots: Debt Tracker

Looking for apps like Payoff Dots: Debt Tracker? Here are 6 similar apps on the App Store. The highest rated is DebtWise — Debt Payoff Planner (5.0/5), and all 6 are free to download.

Payoff Dots: Debt Tracker vs. alternatives
App Rating Price Last updated Compare
Payoff Dots: Debt Tracker 5.0 / 5 (1 rating) Free September 14, 2026
Debt Payoff XL — Snowball – Free Oct 6, 2026 Compare
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Financial Payment Tracker – Free Oct 3, 2026 Compare
Envelo: Cash Stuffing Budget – Free Oct 12, 2026 Compare
PaidDown: Debt Payoff Planner – Free Mar 24, 2026 Compare
DebtWise — Debt Payoff Planner 5.0 / 5 (2) Free Oct 7, 2026 Compare

Compare Payoff Dots: Debt Tracker with the top alternatives: ratings, updates, ASO score and keyword gaps →