Debt payoff planner for iPhone and iPadKnow the exact day you'll be debt-free.
Extrack puts every balance, interest rate and bill in one place, then turns them into a daily target you can actually hit. Pay it, log it, watch the date move closer.
- Price
- Free
- Requires
- iOS 15.1+
- Languages
- EN · ไทย · 日本語
Debt-free on
14 March 2028
$25,966.13 left across 3 debts
- Visa Platinum24.9%$4,812.40Focus
- Car loan7.4%$9,207.65
- Student loan4.1%$11,946.08
01 / Debt payoff
Debt avalanche or snowball, planned down to the day.
Not a vague estimate. Extrack runs the real schedule on every balance and rate, picks the order that fits you, and tells you how much to put down today.
- 1Store card29.4%$1,184.32
- 2Visa Platinum24.9%$4,812.40
- 3Car loan7.4%$9,207.65
- 4Student loan4.1%$11,946.08
Highest interest first. Saves $2,318 in interest.
Avalanche or snowball, your call
Order debts by interest rate to pay the least, or by balance for fast wins. Extrack shows what each choice costs.
Type it the way you'd say it.
Log it in seconds
Type an expense like a text message. Extrack sorts it into the right category for you.
- RentOct 7$1,340.00
- PhoneOct 12$38.99
- Car insuranceOct 19$112.46
- GymOct 26$27.50
Bills that remind you first
Recurring bills are tracked and flagged before they're due, so nothing slips.
Your spending, explained in plain sentences.
Takeaway
-31%
vs. August, after you set a $140 cap
Weekends
62.4%
of your dining spend lands Fri to Sun
Subscriptions
$71.96
a month across 6 services
Interest saved
$418.27
since switching to avalanche
Groceries
$9.12/day
steady for 11 weeks running
Bills
0 late
in the last 214 days
Takeaway
-31%
vs. August, after you set a $140 cap
Weekends
62.4%
of your dining spend lands Fri to Sun
Subscriptions
$71.96
a month across 6 services
Interest saved
$418.27
since switching to avalanche
Groceries
$9.12/day
steady for 11 weeks running
Bills
0 late
in the last 214 days
Patterns, not just numbers
Insights that point at what changed and why, so you know which habit to work on next.
- Groceries$241.60 / $380
- Eating out$168.35 / $200
- Transport$74.10 / $120
- Fun money$52.90 / $150
Warnings before you overspend, not after
Per-category budgets with month-end forecasting. When a category runs hot, Extrack tells you how much a day keeps you under.
02 / Try it
Debt payoff calculator: find your debt-free date.
This is the same math the app runs, for one debt. Inside Extrack it handles all of them at once and updates every time you log a payment.
You're debt-free in
October 2029
36 monthly payments from now
- Daily target
- $10.68
- Total interest
- $3,085.33
03 / Everyday money
Budget tracker, bill reminders and savings goals in the same app.
One screen for where you stand.
Balance, budget left, streak, goals and the next bill due, all on the home screen. Quick add sits right under your thumb.
- Automatic categoriesExpenses sort themselves as you log them
- Month-end forecastSee where each budget will land before it does
- Recurring billsSet once, reminded every time
Lisbon in May
$1,166.22
of $1,860.00
- Save today
- $3.27
- Streak
- 23 days
Big goals, broken into today.
A trip, an emergency fund, a new laptop. Extrack splits each savings goal into a daily amount and keeps a streak, so the habit carries you when motivation doesn't.
04 / Yours, privately
No ads.
No data selling.
No tricks.
Face ID lock
Your numbers stay behind your face, not just your passcode.
CSV export
Your data leaves whenever you want. No lock-in, no hoops.
Not linked to you
Any data collected for the app isn't tied to your identity.
Zero ads
Nothing in your money app is trying to sell you a loan.
Available in English, Thai and Japanese
Debt-free.
English
ปลดหนี้
ไทย
完済。
日本語
Stop guessing where your money goes.
Free to download. Set up your first debt in under a minute and see your date tonight.