Debt Free Date: Snowball

Debt Free Date turns what you owe into a plan with a date on it.

Enter your balances, rates and minimum payments. The debt payoff planner works out the exact month you'll be free, then moves that date closer every time you put a little extra toward it.

SNOWBALL OR AVALANCHE, ON YOUR NUMBERS
The debt snowball clears your smallest balance first, so whole debts disappear early and momentum builds. The debt avalanche targets your highest interest rate first, so you pay less overall. See both side by side on your own debts and pick the one you'll actually stick with.

A DEBT TRACKER, NOT JUST A CALCULATOR
Log each payment as you make it and watch the balance drop for real. Every payment is split into interest and principal, so you can see how much went to the lender and how much went to getting free. Your history builds month by month, with a streak that rewards showing up.

CREDIT CARDS, LOANS, ANYTHING YOU OWE
Credit card payoff, car and student loan payoff, medical bills, money owed to family — if it has a balance, a rate and a minimum payment, it belongs here.

BUILT ON A REAL PAYOFF ENGINE
Every dollar is accounted for. When a debt clears mid-month, the leftover payment rolls straight onto the next one, exactly as it would in real life — so the date you see is the date you get.

YOUR DATA NEVER LEAVES YOUR PHONE
No account. No sign-up. No servers. Nothing to connect to your bank. Everything you enter stays on your device.

ONE PAYMENT, NOT A SUBSCRIPTION
Free for up to 2 debts with the snowball method. Unlock once for unlimited debts, the avalanche comparison, monthly payment reminders and a shareable debt-free countdown card. No recurring charge, ever.

Debt Free Date is a planning tool, not financial advice. Projections assume the payments you enter and don't account for fees, rate changes, or promotional periods ending.