Debt Payoff Planner: Snowball

Debt Payoff is a debt payoff planner and tracker for one clear question: which balance should I pay first, and roughly when could I be debt free? Add your credit cards and loans by hand, pick the snowball or avalanche method, and log each payment as you make it. The app turns your numbers into an estimated debt-free date and a payment order you can follow.

There is no bank linking: you type in each balance, interest rate (APR) and minimum payment yourself. The payoff math runs in the app; it is a calculator of your own numbers, not a financial product.

SNOWBALL OR AVALANCHE, COMPARED ON YOUR NUMBERS
• Debt snowball: pay the smallest balance first for quick wins
• Debt avalanche: pay the highest interest rate first to keep interest costs down
• Each strategy card shows estimated months to go, so you can compare snowball vs avalanche at a glance
• Your chosen plan shows an estimated debt-free date, time to go and total interest
• A numbered payment order tells you which balance gets your extra money next

A DEBT TRACKER FOR EVERY BALANCE
• Credit cards, personal loans, student loans, auto loans, medical bills and anything else you owe
• Each one keeps its own balance, APR, minimum payment and payment history
• Log a payment in seconds and mark it as an extra payment when you pay more than the minimum
• Balances, progress and the estimated payoff date update as soon as you save

WHAT IF I PAID MORE?
• Set a monthly extra amount and watch the plan recalculate
• Tap +50, +100 or +200 to see how many months and how much interest a bigger payment could save
• Results are plain math on your own numbers, shown instantly

PROGRESS YOU CAN SEE
• Paid so far, percent of the original total paid, balances closed and what remains
• Next milestone: the balance closest to zero and how much is left on it
• A celebration for every balance you pay off, with the date
• Recent payments in one place

PAYMENT COACH (AI)
• Get a short coach tip that explains your plan in plain language
• Ask the coach to explain a what-if result in words
• The coach explains numbers the app already calculated and is set up not to invent figures or recommend financial products
• Free: 3 AI coach explanations each month

PRO
• Unlimited Payment Coach tips and what-if explanations
• Personalized optimization plan: which strategy suits you, a custom hybrid payoff order, acceleration tips and milestones
• Hybrid strategy alongside snowball and avalanche
Everything else is free: unlimited debts, both strategies, the payment tracker, what-if amounts and progress.

WHO IT IS FOR
• Anyone paying down several credit cards or loans who wants to know what to pay off first
• People paying only minimums who want to see what a little extra could change
• Anyone who wants a simple payoff calculator and payment tracker instead of a spreadsheet

GETTING STARTED
Start as a guest in a few seconds; signing in is optional. The app speaks 10 languages, including English, Spanish, German, French and Portuguese.

ABOUT YOUR DATA
Debt Payoff never connects to your bank, and the payoff calculations happen in the app. When you ask the Payment Coach for an explanation, the numbers it needs are sent to our server so an AI model can write the answer. Details are in the privacy policy below.

A NOTE ON ADVICE
Debt Payoff is a planning and tracking tool, not a lender, credit service or licensed financial advisor. It does not offer loans, credit, debt consolidation or debt relief. Every date and amount it shows is an estimate based on the numbers you enter and assumes they stay the same; real results depend on your lenders' terms, fees and rate changes. It does not give personalized investment, credit or tax advice and cannot guarantee a result. For financial decisions, consider speaking with a qualified professional.

Add your first debt, choose snowball or avalanche, and see your estimated path to debt free.

Privacy Policy
https://coddykit.com/terms/privacy-policy

Recent changes:
• Refreshed look and smoother experience across the app
• Improved translations — the app now feels at home in your language

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