Debt Payoff Planner: Snowball

Ready to become 100% debt-free without handing over your bank passwords?

Debt Payoff Planner: Snowball is the private, offline-first debt payoff calculator and credit card payoff tracker built to help you eliminate credit cards, student loans, auto loans, medical bills, and personal loans faster.

Unlike other finance apps that force you to link your bank account through Plaid or sell your financial data, Debt Payoff Planner runs 100% on your device. No bank login required. No account sign-up. Just pure, banking-grade math and a crystal-clear countdown to your Debt-Free Date.

DEBT SNOWBALL VS. DEBT AVALANCHE CALCULATOR
Compare the world's most proven debt payoff strategies side-by-side in one tap:
- Debt Snowball Method (Dave Ramsey style): Target your smallest balance first to score quick psychological wins and roll every paid-off minimum payment into the next debt.
- Debt Avalanche Method: Target your highest APR interest rate first to save the maximum amount of money on credit card interest.
- Custom Priority Order: Drag and drop your loans in any custom payoff order you choose.
- Minimum-Only Baseline: See exactly how many years and thousands of dollars in interest you save by adding even $25 to $100 in extra monthly payments.

DEBT-FREE COUNTDOWN & AMORTIZATION SCHEDULE
- See Your Exact Debt-Free Date: Instantly view your projected debt-free month, total interest saved, and years shaved off your loans.
- Milestone Celebrations: Track your 25%, 50%, 75%, and 100% Debt-Free milestones plus individual loan payoff pins.
- Complete Monthly Amortization Table: View a month-by-month breakdown of starting balance, principal paid, interest accrued, and extra snowball rollover applied.
- Lump-Sum Windfall Simulator: Model one-time extra payments - like a tax refund, work bonus, or side-hustle check - and watch your debt-free countdown jump months closer.
- Printable PDF Payoff Report: Export and share a clean, multi-page PDF amortization schedule anytime.

SMART STATEMENT SCANNER & FAST SETUP
- Fast 10-Second Setup: Don't have your paper statements handy? Use 1-tap APR presets and automatic minimum payment estimates to build your plan in seconds.
- Camera Bill & Statement OCR: Point your camera at a credit card statement or upload a PDF to extract your balance, APR, and minimum payment automatically on your device.
- Instant Mathematical Insights: Explore exact answers on your debt snowball, extra payment trade-offs, and monthly interest burn - powered by local ground-truth math.

100% PRIVATE, OFFLINE & BUILT FOR REAL MONTHLY PROGRESS
- Zero Bank Linking: Never share your banking credentials or SSN.
- Privacy Shield Mode: Optional screenshot protection and recent-apps screen blur to keep your balances private in public.
- Smart Due Date Reminders & 1-Tap Payment Logging: Get notified before a bill is due, log your monthly payment in one tap, and watch your progress bars climb toward 100% paid off.
- Multi-Currency & Local JSON Backup: Supports USD ($), EUR (EUR), GBP (GBP), CAD (CA$), AUD (A$), INR (INR), JPY (JPY), and full offline backup/restore.

Whether you are tackling high-interest credit card debt, mapping out a biweekly or monthly loan payoff plan, or following the debt snowball method toward financial freedom, download Debt Payoff Planner: Snowball today and see your exact Debt-Free Date in under 30 seconds!

Recent changes:
• Gemma 4 On-Device AI: Powered by Google's next-gen Gemma 4 via AICore Developer Preview with dual E4B (Reasoning) and E2B (Fast) execution.
• Dynamic Financial Math Intelligence: AI Coach now computes exact real-time amortization math for lump sums, extra monthly payments, and target timeline goals.
• Optional Cloud Gemini AI: Connect your own free Google Gemini API key from Google AI Studio for expanded conversational depth.