Debt Planner & Calculator

Debt Planner & Calculator

50,000 - 100,000 downloads

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A beautiful, simple-to-use debt calculator!

What this app does: Organizes and plans out your debt. Tells you HOW long it will take to get out of debt with some basic monthly details. Up to FIVE (5) debts supported.

This app uses the Payment Strategy of paying off the "Lowest Balance First". Often recommended by experts as the best strategy.

Note: Debt Planner Pro ($1.99 USD) now includes Payment Strategies, Unlimited Debt Entries & Monthly Payment Reminders. The Pro Version is also ad-free and contains better tablet support. You may backup your debts in the free version before upgrading to the Pro and restoring (in Settings).

HOW TO USE THIS APP: Rather than giving us a lump-sum payment amount, you will decide how much to pay in the first round of payments (per card). We will then take those numbers and make the needed adjustments as time goes on. In this way, you have greater flexibility to manage over your debt. And can also play with the numbers to tweak your own plan.

Also: This app is currently set to work with the US decimal system. Other formats: Enter at your own risk! We hope to standardize in the future. (To be safe, anyone may use the app, but you may need to use whole numbers if you do not use the system it is designed for).


Debt Planner will provide you with a quick, simple way of calculating different aspects of your current debt including the time it will take to pay off, the total interest fees over the lifetime of the debt, your current APR fee, and more! Whether it is credit cards, auto loans, personal loans, you can calculate it!

It will also factor in potential balance transfer fees and promotional rates as well! The app will then store your numbers for later use.

Calculations in this app are very accurate. Remember, if you feed it bogus numbers, you might get a bogus answer! It can only contain so many built-in protections!

Disclaimer: Debt Planner will simply give an approximate amount of time (in months) that you will be debt-free. There are many real world factors that will put you at a different end-date. In order to meet the formulated date, you must try to pay as close to your specified monthly payment goal as possible.

If you like this app, please consider purchasing Debt Planner Pro for only $1.99 (USD) cents to help further development done all in my spare time. The Pro version has:

Unlimited Debt
Payment Strategies
Make Monthly Payment
Monthly Payment Reminders
Better Tablet Support

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Recently changed in this version

- Material Designed! (ish)
- Now add credit limits and see progress bar
- Android minimum raised to 4.0

- Basic Android 5.0 prep; removed 1 of 2 ads (yay!)
- Now Requires Android 2.3+
- Ability to Backup before Upgrading to Pro
- Back-up located on external storage at /debt_planner/backup/debts.db
(When upgrading, simply go to settings in the Pro version, hit restore and start app! )

Comments and ratings for Debt Planner & Calculator
  • (59 stars)

    by Vernon Shirley on 24/11/2014

    The app does not cater for fixed period payments (like car debt) nor give the option to select if you want to utilize paid installnents to service the overall debt. This makes the app results un-realistic.

  • (59 stars)

    by Leah Meckley on 20/11/2014

    I love being able to see and calculate when my debts will be paid off! It just encourages me to work harder at getting them paid down!

  • (59 stars)

    by Kristy Wilday on 24/10/2014

    I was able to figure out when my debt will be paid off by.

  • (59 stars)

    by steve longo on 11/10/2014

    I like the pass code feature.

  • (59 stars)

    by Dayneris Rodriguez on 05/09/2014

    It does what I was looking for in an app. Helos me keep track and see my debt and how long it will take me to repay it.

  • (59 stars)

    by Rafael Berrios on 05/09/2014

    Nice clean design but lots of apps do what this one does. If you can manually edit payment amounts and have the app recalculate then this would be much more useful.

  • (59 stars)

    by Tanjima Zinia on 12/08/2014

    Helpful with keeping track of loans taken out. Puts the repayment in perspective & it is good! Not for a savings goal planning though. Debt left will probably need to be updated every month. For a free version - no problem at all! No trouble running the app.