Debt Payoff Planner – Snowball

Debt Payoff Planner is a debt snowball and debt avalanche calculator that shows your debt-free date, computed entirely on your phone. No bank login, no account, no cloud. Every number is yours to edit, and the payoff math is shown, not hidden.

Add your credit cards, loans and medical bills, choose a strategy, set a monthly budget, and see when the last balance hits zero.

WHY DEBT PAYOFF PLANNER
• No bank login, ever. Type in your balances; nothing connects to your accounts.
• Nothing leaves your phone. Debts and payments are stored only on this device.
• Every number is editable. Change a balance, an APR or a minimum and the plan updates instantly.
• Real balances. Log payments and the plan recalculates from what you actually paid, not from assumptions.

PLAN YOUR PAYOFF
• Debt snowball: smallest balance first for quick wins.
• Debt avalanche: highest APR first to pay the least interest.
• Custom order: drag debts into the order you want.
• Monthly budget: minimums go to every debt, the remainder to your current target, and each paid-off minimum rolls into the next debt.
• Plan screen: debt-free date, per-debt payoff month, total interest, and a progress bar per debt.
• Clear warning when your budget is below the sum of minimums.

LOAN PAYOFF TRACKER
• Log payments against any debt with amount, date and note.
• Debt detail with balance, payoff month and payment history.
• Up to 3 debts free, with the full plan and interest totals.

DEBT PAYOFF PRO (optional)
• Ad-free.
• Unlimited debts.
• What-if slider: add $25 to $500 a month and watch your debt-free date move.
• Snowball vs avalanche comparison side by side: interest saved and months saved.
• Payment reminders on each debt's due day.
• PDF plan and CSV payment history export.
• Local backup and restore.

A DEBT FREE CALCULATOR, NOT ADVICE
Debt Payoff Planner is a calculator, not financial advice. Projections assume a fixed APR and the payments you enter; your lender's statements are the source of truth. The app does not lend, does not check credit and never connects to a bank or card.