Snowtally: Debt Payoff Planner

Snowtally is a debt payoff planner that does the math for you and then gets out of the way.

Enter your debts - balance, APR and minimum payment - and your monthly budget. Snowtally works out the month you will be debt-free, how much interest you will pay in total, and how much you save compared with paying only the minimums.

CHOOSE YOUR STRATEGY
• Snowball: smallest balance first, for quick wins
• Avalanche: highest interest rate first, for the least interest
• Your own order: drag the debts into the order you want
• See snowball and avalanche side by side before you decide

FOLLOW THE PLAN
• Month-by-month schedule for every debt, shareable as CSV
• A chart of your total balance falling to zero
• Log the payments you actually make; balances and the plan update
• Unlimited debts - credit cards, car loans, student loans, anything

PRIVATE BY DESIGN
• Works fully offline. No account, no sign-up, no bank login
• No ads, no subscription, no in-app purchases - pay once
• Your numbers stay on your phone. Back them up to a file whenever you like
• Dark and light themes

Snowtally is a calculator: it works out numbers from what you enter. It does not offer loans, credit or financial advice.