Build the fastest path to becoming debt-free.
Organize every account, compare payoff strategies, preview loans before borrowing, and build a smarter path to becoming debt-free—all without connecting your bank account.
Free · No bank login · Private · iPhone
Manage every account
with clarity.
Track balances, APRs, due dates, minimums, available cash, and protected cash from one organized view.
See your debt-free
future.
Plan smarter with Avalanche, Snowball, Smart Hybrid, and Credit Score Focus. Compare payoff strategies, protect minimum payments, and preview your debt-free timeline before making another payment.
Borrow with
confidence.
See how any loan changes your monthly payment, payoff timeline, total debt, and long-term financial plan before you commit.
Choose the best loan, not just the cheapest.
Compare multiple loan offers side-by-side before committing. See how different monthly payments, interest costs, payoff dates, and long-term financial impact affect your debt payoff strategy before selecting the option that's right for you.
Plan for your credit score,
not just payoff.
BalancePilot can prioritize utilization milestones, identify high-impact cards, and adjust your payoff order while protecting minimum payments first.
Everything you need to take control.
From tracking balances to comparing loans, BalancePilot helps you build a smarter path toward becoming debt-free.
Designed for people serious about paying off debt.
Choose the experience that's right for you.
Your financial data stays yours.
Frequently Asked Questions
No. BalancePilot never connects to your bank. You manually enter your account balances, APRs, due dates, and available cash. This is intentional — you stay in complete control of your financial information at all times.
Yes — with Pro. Statement Import lets you import supported credit card PDFs directly on your device. The processing happens locally and is never sent to any server. Currently supports major US card issuers.
Yes. Because everything is manual and stored on your device, BalancePilot works fully offline. No account required, no internet connection needed to use any of the core planning features.
Yes — with Pro. The Compare Loan Offers feature lets you enter multiple loan scenarios side by side and see exactly how each affects your monthly payment, total interest paid, and debt-free date before you commit.
No. Credit Score Focus is a planning tool that helps you reduce credit utilization — a factor that typically influences credit scores. However, credit scores depend on many variables outside the app's control. BalancePilot is not a credit service and makes no guarantees about score outcomes.
Pricing is shown in the App Store before any purchase is made. BalancePilot is free to download and use for core features. Pro unlocks advanced loan tools, statement import, and premium interface options. You can try the free version first with no commitment required.
Yes. Pro is managed entirely through Apple's standard subscription system. You can cancel at any time through your iPhone's subscription settings. Your data stays on your device regardless of subscription status.
Start building your
debt-free future today.
BalancePilot helps you organize your accounts, build smarter payoff plans, compare loan offers, and make financial decisions with confidence.
BalancePilot is a planning tool, not financial advice.
Payoff estimates and loan previews are based on information you enter and are for planning purposes only. Always verify balances, APRs, due dates, and payment requirements with your lender. Consult a qualified financial professional for decisions specific to your situation.