Appworthy

PaidOff: Debt Tracker

Smart debt tracking & insights

Andrew Aquino
Download on theApp Store
App Store rating5.0★8 ratings
PriceFreeIn-app $9.00–$72.00
Age17+Store age rating
Size40 MBiPhone download
CategoryFinance
DeveloperAndrew Aquino

What we found

Full report

Too little checked to say Store information only. We haven’t analysed this app or read its reviews yet.

Money

  • Free to download · in-app purchases $9.00–$72.00 (2 listed). Monthly plan $9.00 (about $108 a year); yearly plan $72.00.
  • If you subscribe through the store, cancel in iPhone Settings → your name → Subscriptions. Deleting the app doesn’t cancel a subscription.

Not yet tested.

The store currently lists version 4.2.1, updated 2026-10-23.

Preview

Screenshot 1Screenshot 2Screenshot 3Screenshot 4Screenshot 5Screenshot 6Screenshot 7Screenshot 8

Store screenshots supplied by the developer.

About this app

PaidOff gives you one clear picture of everything you owe, then shows you month by month exactly how it ends.

Add your credit cards and loans and PaidOff builds the whole schedule: every payment, how much of it is interest, how much comes off the balance, and the month you hit $0. Free to use, with no sign-up needed. Add PaidOff Plus to connect your bank and your debts update automatically.

PAIDOFF PLUS

• Connect your bank. PaidOff reads your debts straight from your bank, and your balances, posted payments, and rates update automatically. Bank connections are secured by Plaid.

• Statements itemized by your bank. Each purchase, payment, and credit fills in on its own, next to the statement balance your bank reported.

• Overdue warnings. A debt's card tells you when a payment is overdue and a late fee was applied.

KEY FEATURES

• Your debt-free date.…

From the developer’s store description.

For developers and the curious

The full report

The evidence, sources, measurements and versions behind every label above.

Findings and evidence

Not yet tested
Not yet tested. No analysis has been published for this app. A missing label is not a clean bill of health.

What reviewers report

No review coverage

No review analysis published for this app.

Measurements

3 measured · 5 not assessed

“Not assessed” means we could not measure it. It is never a zero and never a pass.

From store data and reviews

Developer replies to reviews
Not assessed
Fewer than 50 reviews scanned — too few to state a rate
Price in the store description
The store description lists a price and how often it bills
Cancelling, in the store description
The store description doesn’t say how to cancel (most don’t)
Themes reported by reviewers
Not assessed
This app's reviews have not been assessed yet
Five-star share of ratings
90% or more five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.

In the app package we scanned

No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence, not a finding.

Sensitive permissions
Not assessed
No package has been scanned for this app
Analytics or tracking SDKs in the scanned package
Not assessed
No package has been scanned for this app
Advertising SDKs in the scanned package
Not assessed
No package has been scanned for this app
How we know

Supporting measurements: not a complete list of possible harms or positives. Measurement vocabulary 1.4 · how these are measured

Versions and dates analysed

Not yet tested

Not yet tested. No analysis has been run for this app, so there is no version or date to report.

Store update history

Each store’s release notes, as the developer wrote them. They are the developer’s words, not ours.

App Store

Version 4.2.1 · 2026-10-23
Connect your bank with PaidOff Plus. Your balances, posted payments, and rates update automatically, and every monthly statement is itemized by your bank. Bank connections are secured by Plaid. • Overdue warnings. With your bank connected, a debt's card tells you when a payment is overdue and a late fee was applied. • Sign in with your phone number to back up your debts and open them on your iPhone or iPad. An account is always optional. • New payoff timeline. Tap your debt-free date to see every debt in the order it clears and the month it's gone. • Sort Home by payment day, or by highest or lowest balance. • Set a payment reminder while you add a debt. Everything you track by hand…

Shortened here; the full notes are on the store listing.

Assessment record

Status
Not yet tested
App identifier
paidoff
Sources used
None recorded
Reviews read
None recorded
Package examined
No package scan
Human inspection
Not completed
How we know
Measurement vocabulary
1.4

Store facts

App Store

What the stores publish. Store ratings are the stores’ numbers, not Appworthy’s, and are never averaged across stores.

App Store

Store rating
5.00 ★ · 8 ratings
Version
4.2.1
Updated
23 Oct 2026
Price
Free · In-app purchases
Age rating
17+
Size
40 MB
Open in App Store
Developer
Andrew Aquino
Category
Finance
Listing price
Free · In-app purchases

Purchases the store lists

 What this app sells

From the store listing. Billing terms are read from each purchase’s name — the stores don’t publish them — so treat them as a strong hint, not a disclosure.

Subscriptions2
PaidOff Plus MonthlyMonthly$9.00
PaidOff Plus YearlyYearly$72.00

Method and limits

What this report can and cannot show

What a missing label means

Not yet tested. No analysis has been published for this app, so there is no method to describe for it yet. A missing label is not a clean bill of health: it means nothing has been read, not that nothing is wrong.

Limits of this report

  • A package scan is static. It identifies code and text in one Android build. It does not measure a live ad session, test a deletion request, or count the steps needed to cancel.
  • Reviews keep their sample. A review-only charge shows distinct reviewers, the share and the sample size, and is published only once it clears that label’s published threshold. Calibration labels are machine-drafted and not yet confirmed by a person.
  • Not assessed is a state. It is never a zero and never a pass.
  • A missing label is not a clean bill of health. It means the evidence did not support one, not that the app is problem-free.
Not yet human-reviewed. A human review gives an app hands-on, recorded measurements. None has been run for this app. Hands-on inspections are not yet open.
Review thresholds Read the methodology For developers

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