Debt Payoff Planner & Snowball

Debt Payoff Planner & Snowball puts a clear, mathematical plan in your hands so you can stop letting high interest debt eat your paycheck. The app calculates payoff dates and interest savings for credit cards, student loans, auto loans and medical bills using both the debt snowball and debt avalanche strategies, and shows how extra monthly contributions shorten your timeline. It runs entirely on your device—add balances and APRs manually—so you avoid bank logins and data harvesting. If you want a private, practical tool to map a path to zero debt, this app makes the process simple and transparent.

Key Features

⭐ Debt Payoff Planner & Snowball supports unlimited debts at no cost — add cards, loans and mortgages without a subscription.

⭐ Choose between the Debt Snowball and Debt Avalanche strategies to prioritize balances by size or by interest rate.

⭐ Visual payoff timeline updates in real time so you can see your projected debt-free date as you tweak payments.

⭐ Month-by-month amortization shows principal versus interest so you know exactly where each payment goes.

⭐ Extra payment calculator estimates time and interest saved when you add even $50 or $100 to your monthly plan.

Advantages

✅ Your data stays on your device — no bank logins, no account linking, and no third-party data harvesting.

✅ Debt Payoff Planner & Snowball focuses on the strategies that either build momentum or minimize interest so you can pick the approach that fits your psychology and finances.

✅ Unlimited entries and clear savings estimates make it easy to compare scenarios and set realistic payoff targets.

✅ Transparent calculations and a simple interface reduce guesswork and help you track progress month to month.

Disadvantages

❎ Requires manual entry of balances and APRs, which can be time-consuming for users with many accounts.

❎ Runs locally on your device without cloud sync, so there is no automatic backup or cross-device syncing.