Debt Snowball & Payoff Planner

Get debt-free. See the date.

Enter your debts once and get a real plan: which debt to attack first, what each month costs you, and the month your last balance hits zero. Snowball or avalanche — tap to switch and watch the date move.

Every feature is free. Not a trial, not a starter tier, not three debts and then a paywall. There is nothing to buy in this app, ever.


WHAT IT ANSWERS

• When will I actually be debt-free?
• Which debt should I pay off first?
• Snowball or avalanche — how much does the choice really cost me?
• How much total interest will I pay if nothing changes?
• What happens to my payoff date if I put an extra $100 a month in?
• How much have I paid off so far?


YOUR PLAN, ON ONE SCREEN

• Your payoff curve falling to zero, with your debt-free date on it
• Total interest from today until the last payment
• Your monthly budget — every minimum plus your extra, held constant
• Your first target, and the date each debt disappears
• Tap any number for a plain-English explanation of what it is and where it came from


SNOWBALL OR AVALANCHE, COMPARED SIDE BY SIDE

Snowball pays the smallest balance first — quick wins that keep you going. Avalanche attacks the highest interest rate first — mathematically the cheapest. The app shows both totals next to each other and marks which one costs less for your debts, so you are choosing with the numbers in front of you instead of guessing.


SEE WHAT PAYING MORE WOULD DO

Drag the extra-payment slider and the plan recalculates live: how many months sooner you finish, and how much interest that saves. When you like the number, make it the plan in one tap.


TRACK EVERY PAYMENT

Log a payment and the plan updates — balances fall, the curve redraws, the date moves. The Debts screen shows how much you have paid off so far and what percentage of your starting balance is gone. Archive a debt when it is finished.


A NUDGE BEFORE EVERY DUE DATE

Turn on a monthly reminder for any debt and get a local notification before the payment is due, with the minimum amount in it. No missed payment, no late fee. The reminders are generated on your phone and work with no internet connection.


UNLIMITED DEBTS

Credit cards, car loans, student loans, personal loans, store cards, money owed to family — add as many as you have. Four fields each: name, balance, APR, minimum payment. Nothing to categorise, no dates to hunt for. Takes about fifteen seconds.


YOUR DEBTS STAY ON YOUR PHONE

There is no account, no sign-in, no email verification and no server. Your balances, payments and reminders are stored only in this app, on this device. They are not included in Android's cloud backup either — only your app settings are. Your financial figures are never sent to us and nothing is sold. The calculator works with the phone in airplane mode.

The app does send anonymous usage and crash statistics, so bugs get found and fixed. They never contain your balances, rates, payments or payoff dates.

Moving to a new phone or want your own copy? Export everything to a CSV file and import it back — free, like everything else.


HOW THIS APP IS PAID FOR

Ads. A banner sits beside your plan, and there is at most one full-screen ad in a session, after you log a payment. That is the entire business model — which is exactly why no feature needs to be locked. Where consent is required, the app asks first, and you can change your answer any time in Settings.


ALSO IN THE APP

• Light, dark and system themes
• Explanations for snowball, avalanche, total interest, debt-free date and monthly budget
• Works entirely offline


DISCLAIMER

This app provides educational estimates only and is not financial, credit, tax or legal advice, and it is not a debt settlement, consolidation or credit repair service. Projections assume fixed interest rates, on-time payments and no new borrowing; your real payoff date and interest will differ if any of those change. Always check your figures against your lender's statements.