Debt Payoff Planner: Snowball

Add your debts and see the month you'll be debt free. Then switch between the snowball and avalanche methods and see which one saves you more interest.

There's no account to make and no bank login. You type in each balance, APR and minimum payment, and everything stays on your phone.

How it works
Pick how much you can pay each month on top of the minimums. The planner puts that extra money on one debt at a time. When a debt is paid off, its payment rolls into the next one, so your monthly payment keeps working for you.

• Snowball pays the smallest balance first, so you see a debt disappear early.
• Avalanche pays the highest APR first, which usually costs less interest.
• Compare both side by side: debt free month, total interest and the difference between them.

What you get
• Your debt free date and total interest for the plan you pick
• The month each debt is paid off, in payoff order
• A full monthly schedule for every debt, with a PAID mark when it's done
• A chart of your total balance over time
• A minimums only line, so you can see what the extra payment does
• A warning when a minimum payment doesn't cover a debt's interest
• Backup and restore of your plan as a file
• Try an example first if you'd like to see it before typing your own numbers

Free and Pro
The planner is free for up to 5 debts with both methods and the full schedule. A one time Pro purchase adds saved plans, side by side plan comparison, your own custom payoff order and unlimited debts. There are no ads and no subscription.

Good to know
The math uses monthly interest on fixed APRs and assumes payments are made on time. Real lenders can round or charge interest a little differently, so treat the dates as a close estimate. This is a calculator, not financial advice.

Questions or ideas? Write to manextapps@gmail.com.

Recent changes:
First version. Add your debts, compare the snowball and avalanche plans, and see the month you'll be debt free. No account and no bank login.