Debt Payoff Planner: Snowball

Debt payoff planner and debt snowball calculator that shows your debt-free date. No account. Works offline. Compare debt snowball and debt avalanche for the same monthly budget.

Add your credit cards and loans, set what you can pay each month, and see when you will be debt free, how much interest you will pay and which debt to pay next. No bank linking. Your numbers stay on your phone.

DEBT SNOWBALL, DEBT AVALANCHE OR YOUR OWN ORDER
• Debt snowball: pay the smallest balance first for quick wins
• Debt avalanche: pay the highest APR first to save the most interest
• Custom: drag your debts into any order you like
• Compare all three side by side: debt-free date, total interest and payoff order

PLAN AROUND REAL LIFE
• Credit cards, car loans, student loans, medical bills, personal loans, mortgages and more
• Balance, APR, minimum payment, due day and notes for each debt
• When a debt is paid off, its minimum payment rolls into the next one automatically

PAYMENT CALENDAR AND REMINDERS
• Month-by-month calendar of planned payments and due dates
• Mark a payment as paid, change the amount if you paid more or less, and the plan updates
• Optional reminders before due dates

WHAT IF I PAY MORE?
• Try an extra amount each month or a one-time lump sum and see how much sooner you become debt free and how much interest you save, without changing your saved budget
• Credit card payoff estimates for every card

STAY MOTIVATED
• Progress from your starting balance, paid-off debts, milestones and an on-time payment streak

FREE AND PRO
Up to five debts, every payoff strategy, the payment calendar, reminders and what-if estimates are free. Free users can watch an ad for one PDF export. Pro adds unlimited debts, saved what-if scenarios, CSV and PDF payoff schedules, and removes ads. Choose monthly, yearly (with a 7-day free trial) or a one-time lifetime purchase. Subscriptions renew until you cancel in Google Play.

YOUR DATA, YOUR CONTROL
JSON backup and restore, light or dark theme, text size and your currency symbol.

CLEAR ESTIMATES
Monthly interest is balance × APR ÷ 12, rounded to cents. APR and minimum payments are held fixed. Your lender may calculate interest differently. This debt payoff planner is a planning tool, not financial advice. It does not offer loans, credit or lender referrals.

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