Debt payoff feels slow because all you see is the balance. Hunter Vault leads with your debt-free date and a payoff timeline, so you stay motivated even when it's gradual.
Track every balance, log every payment, and see where you stand — without a spreadsheet.
Credit cards, personal loans, installment plans — add any balance you're working to pay off and keep them all visible in one place.
Record each payment as you make it. Watch the balance drop and your progress update — immediately, not at the end of the month.
A progress bar per debt so the journey is visible. Watching it move — even a small amount — is more motivating than staring at a balance that still feels huge.
Know what's due and when, so nothing sneaks up on you. Hunter Vault also protects your minimum payments in Safe-to-Spend before you spend anything else.
Dungeon Raids leads with the month you're projected to be debt-free and a payoff timeline, so you see where the payments are taking you, not just one scary number.
Try an extra monthly or one-time payment and War Plan shows what it buys: how much sooner you'd be debt-free and how much interest you'd save. If you like the result, it can add the extra to your budget.
Add a loan, log a payment, and compare avalanche vs snowball in the War Plan to see how extra payments move your debt-free date.
More how-to videos: How to Track Credit Card Spending and PaymentsHow to Add Savings and Credit Card Accounts in Hunter Vault
It's the feeling that nothing's changing. The balance barely moves, motivation drains, and it gets harder to keep looking. That's not a character flaw — it's what happens when progress is invisible. Seeing your progress is what keeps you in the fight, even when the numbers are moving slowly.
Hunter Vault's debt payoff tracker lets you log each debt's balance, interest rate, minimum payment and due date. Dungeon Raids then leads with your projected debt-free date and a payoff timeline, and each debt's progress bar fills as you pay it down, so slow progress still feels like progress.
War Plan answers the question every debt plan runs into: is an extra payment worth it? Enter an extra monthly or one-time amount and it shows how much sooner you'd be debt-free and how much interest you'd save. If you keep it, War Plan can add the extra to your budget, so the plan and the money line up.
Around it sits a light RPG framing: each balance is a boss with a health bar that chips down with every payment. The framing is optional, and it's there to keep you motivated, not to make light of something genuinely stressful. See the full gamification system →
When you can see a balance shrinking and a bar filling, payoff stops feeling endless and starts feeling earned. The payments do the work — the tracker makes the work visible. Pair debt tracking with a budget that balances debt and spending and you're not just tracking the problem — you're managing around it.
No bank login, no credit pull, no account. Your balances, payments, and due dates are stored privately on your device unless you turn on cloud sync. Learn more about privacy →
Hunter Vault helps you track and stay motivated. It is not a lender, debt consolidator, or financial advisor, and it cannot guarantee payoff outcomes. If you're facing serious debt or financial hardship, consider speaking with a qualified financial professional or a nonprofit credit counselor.
A debt payoff tracker makes progress visible. Instead of staring at a scary balance, you see a bar filling as you pay — which keeps motivation alive when payoff feels slow. It also keeps due dates and minimums in one place so nothing slips through.
Yes. War Plan compares the avalanche (highest interest rate first) and snowball (smallest balance first) orders, so you can pick the one that suits you. Either way you log payments and watch progress. The strategy is yours.
Dungeon Raids leads with your projected debt-free date and a payoff timeline, worked out from the balances, interest rates and payments you enter. War Plan shows what an extra monthly or one-time payment would buy, such as how many months sooner you'd finish and how much less interest you'd pay, and it can add that extra to your budget. It's a projection from your numbers, not a promise.
No. Nothing is pulled from your bank and nothing is scored. You enter your balances and payments yourself, and they stay on your device unless you turn on cloud sync. No bank login, no credit pull, ever.
Yes. Debt tracking, payment logging, progress bars, and due-date tracking are free for up to 3 debts. Awakened Hunter unlocks unlimited debts.
Yes. The free plan tracks up to 3 debts — credit cards, personal loans, installment plans. Each gets its own balance, minimum payment, due date, and progress bar, and Awakened Hunter removes the limit.
The payments do the work — Hunter Vault helps you stay consistent and see the progress those payments are making. It's a tracking and motivation tool, not a lender or advisor. If you're facing serious hardship, consider speaking with a qualified financial professional or a nonprofit credit counselor.
Progress beats perfection. Download Hunter Vault free on iOS and Android — no account, no credit pull, no bank connection required.
