Last updated: August 14, 2026
Debt Payoff XL stores all your debts and payment records locally on your device. Your data never leaves your iPhone.
We do not collect, transmit, sell, or share any personal data. The app contains no analytics, no advertising, no tracking, and no user accounts.
Reminders are local notifications scheduled on your device. They are not sent through any server.
Purchases are processed by Apple through the App Store. We never see your payment details.
Debt Payoff XL is a personal planner. It does not connect to your bank, does not process payments, and does not give financial or credit advice. Payoff projections are estimates based on the numbers you enter.
If you delete the app, your data is deleted with it.
Questions? Contact: i.romanenko.apple@gmail.com