Review Insights · App Store
Debt Payoff Planner & Tracker
OxbowSoft LLC · 7,146 ratings · ★ 4.7
4.7
★★★★★
7,146 ratings
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Top complaints - extracted from 15 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"paying"
5 negative reviews mention this · 33% of all complaints
★★★★★ "Can nolonger add additional payments. Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever to…" - Dont often review
2
"monthly"
4 negative reviews mention this · 27% of all complaints
★★★★★ "Can nolonger add additional payments. Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever to…" - Dont often review
3
"payment"
4 negative reviews mention this · 27% of all complaints
★★★★★ "Can nolonger add additional payments. Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever to…" - Dont often review
4
"free"
4 negative reviews mention this · 27% of all complaints
★★★★★ "Can nolonger add additional payments. Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever to…" - Dont often review
5
"paid"
4 negative reviews mention this · 27% of all complaints
★★★★★ "They scammed me!. I purchased this app many years ago for the sole purpose of being able to use it on my laptop. The other benefit would be that I could print out my snowball to have a visual to keep track of. I don’t remember what I paid, but I do remember …" - Mommacareywins
6
"year"
4 negative reviews mention this · 27% of all complaints
★★★★★ "They scammed me!. I purchased this app many years ago for the sole purpose of being able to use it on my laptop. The other benefit would be that I could print out my snowball to have a visual to keep track of. I don’t remember what I paid, but I do remember …" - Mommacareywins
7
"payments"
3 negative reviews mention this · 20% of all complaints
★★★★★ "Can nolonger add additional payments. Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever to…" - Dont often review
8
"plan"
3 negative reviews mention this · 20% of all complaints
★★★★★ "Can nolonger add additional payments. Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever to…" - Dont often review
9
"different"
3 negative reviews mention this · 20% of all complaints
★★★★★ "They scammed me!. I purchased this app many years ago for the sole purpose of being able to use it on my laptop. The other benefit would be that I could print out my snowball to have a visual to keep track of. I don’t remember what I paid, but I do remember …" - Mommacareywins
10
"money"
3 negative reviews mention this · 20% of all complaints
★★★★★ "They scammed me!. I purchased this app many years ago for the sole purpose of being able to use it on my laptop. The other benefit would be that I could print out my snowball to have a visual to keep track of. I don’t remember what I paid, but I do remember …" - Mommacareywins
11
"subscription"
3 negative reviews mention this · 20% of all complaints
★★★★★ "Loading issue. I have subscription 5 days in and it won’t load. Closed reloaded went to Apple Store opened at still blank!!! Emails support" - becka.aa
12
"card"
3 negative reviews mention this · 20% of all complaints
★★★★★ "It’s not working as it should.. The concept is solid, but the execution falls short. While testing different sorting options, I noticed strange inconsistencies. For example, simply sorting my debts alphabetically adds an extra year to the payoff plan…even though none of m…" - 674722
📋 All 15 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
Can nolonger add additional payments
Used to be able to add random additional payments, the date and amount. Can’t see that option now and it only has the monthly payment plan. Not paying to upgrade. Will delete and continue alone for free. Trip off and bad business whoever took over and changed it all.
Annoyance with app
Found it super annoying. I really liked the visuals so i bought the premium, but it is unintuitive to apply my payments. I put it in the payment tracker but nothing populates.
They scammed me!
I purchased this app many years ago for the sole purpose of being able to use it on my laptop. The other benefit would be that I could print out my snowball to have a visual to keep track of. I don’t remember what I paid, but I do remember that it was lifetime membership. Now they say I need to pay every month or year. I had even provided proof of purchase. They told me it’s different now and they won’t honor it. It’s either monthly, yearly or nothing! I realize that I am just a tiny cog in the big wheel but you used my $ to grow your business. It’s a shame because ethics is very important. You should be able to count on a business doing the right thing- not this business! If I’m going to spend the money on this why not just get the Dave Ramsey Every Dollar app. It’s the same cost and run by ethical people that won’t steal your money for a service only to bait and switch when large enough!! Stay away from this business!!🤬🤬
Not working
Stopped working
Cannot access pro after paying for one year
I upgraded to pro, but keeps my app as free member. Will not upgrade to pro after paying twice from two different devices. Rip off. Can’t get refund as not listed as refundable on App. $24:00 spent and no pro!!
Loading issue
I have subscription 5 days in and it won’t load. Closed reloaded went to Apple Store opened at still blank!!! Emails support
Selling your data
Who are they selling my data to? I have been inundated with loan scams since using this app. 5-6 calls and texts per day.
New loan
It won’t let me adjust or add new school loan without paying for pro.
It’s not working as it should.
The concept is solid, but the execution falls short. While testing different sorting options, I noticed strange inconsistencies. For example, simply sorting my debts alphabetically adds an extra year to the payoff plan…even though none of my numbers changed. Every method shows the exact same payoff timeline of 9 years and 2 months, yet somehow only one of them claims to save interest. How does that math work?
Even stranger, the “as added” option spikes my minimum monthly expense by $400, and the plan tells me to pay $900 toward a credit card whose minimum is only $30. The numbers just don’t add up, and overall the results don’t make sense.
Even stranger, the “as added” option spikes my minimum monthly expense by $400, and the plan tells me to pay $900 toward a credit card whose minimum is only $30. The numbers just don’t add up, and overall the results don’t make sense.
Not worth the premium
Paid the premium. Amortization schedule but no way to add extra payment and play with it to strategies. Just get a free version then, not sure what the premium adds to it.
Do Not Download!
I got this app to track our debt. We are trying to get debt free. I paid for the subscription to get everything on the app. It worked great for one year and then totally deleted everything. Now the entire app won’t open and I’m out $25. Do not download!
Everything was great until I started paying the debt off
I enjoyed filling out all the details of money coming in… paying off my debt. Exciting. Paid for the subscription. When I came back to the app to actually pay off balances. No luck. Couldn’t figure it out. And I’m a savvy person. So confusing. Impossible to edit anything. I’m lost
Ok at first
Was good for the first 5 minutes and now it’s constantly having a spinning circle
Completely unrealistic payment plan…
It has me paying off one debt a month without regard to how much that debt is… in June I’m supposed to be paying off a 9k credit card and then in July I guess I’m paying off a 25k credit card? If I had that kind of money, I wouldn’t be in debt… ChatGPT came up with a way more realistic plan.
Too Difficult
The price monthly or yearly isn’t terrible. The app is hard to plug in numbers! I keep deleting and try re-entering my card amount and messing with the payments bc it won’t save correctly. It’s not easily editable. Needs to be restructured completely.
Sentiment summary
93%
Positive (4-5★)
3%
Neutral (3★)
4%
Negative (1-2★)