Debt Clear - Payoff Planner

No bank account linking, no loan origination. Just enter your debts — credit loans, card installments, student loans, mortgages, personal debts, and more — into one place, tell the app how much you can pay each month, and see exactly which order pays them off fastest and saves the most interest. No sign-up required — everything stays on your device.

💳 Add & Manage Debts
Register debts across 6 types: credit loan, card/installment, student loan, mortgage, personal debt, and other. Enter a name, current balance, APR (0% interest allowed), minimum payment, and due date — each type gets its own icon and color automatically.

📊 Snowball vs Avalanche Comparison
Enter your total monthly payment budget and compare the snowball strategy (smallest balance first) against the avalanche strategy (highest interest rate first) side by side. See the payoff order, total interest, and projected payoff date for each debt, then pick the strategy that drives your dashboard.

✅ Payment Tracking & Dashboard
Check off a payment each month and the balance drops automatically, building up your payment history. Extra payments (early payoff) can be logged too. The home dashboard shows your total debt balance, overall progress, "Debt Zero Day" countdown, a balance-decline chart, and this month's upcoming payments.

🔔 Due Date Reminders
Get a local reminder the day before or on the due date for each debt (toggle on/off in Settings).

🌏 Korean / English Support
Pick your preferred language right in Settings.

🔒 Privacy-friendly
Start right away with no login. This is a self-entry tracker with no real bank, card, or account integration whatsoever. Everything you enter is stored only on your device and is never sent to a server.

Stop wondering what to pay off first — set your order today and work toward your debt-zero day.