Debt Payoff Planner: Snowball

Debt Payoff Planner turns your credit cards and loans into one clear plan. Add each debt, choose how much extra you can pay each month, and see the month you pay off your last debt, the total interest, and how much interest and time you save compared with paying only the minimums.

THIS IS A PLANNER, NOT A LENDER OR A DEBT SERVICE. The app does not lend money, contact or negotiate with creditors, settle debts for you or connect to your bank, and it is not affiliated with any bank or lender. You type the numbers, it does the math. Every calculation runs on your phone, even with no signal.

YOUR PAYOFF PLAN

✓ Add each debt with its name, balance, interest rate (APR) and minimum payment
✓ Set an extra amount you can pay each month on top of the minimums
✓ Snowball: smallest balance first, for quick wins
✓ Avalanche: highest interest rate first, to pay the least interest
✓ Debt-free month and year, total interest, and the interest and months saved versus paying only the minimums
✓ Payoff order with the month each debt is cleared; once one is paid off, its minimum rolls into the next
✓ Month-by-month plan: which debt gets the extra money, what you pay it and the total still owed
✓ A warning when a minimum payment does not even cover the monthly interest
✓ Up to 3 debts with Snowball on the free plan

LOAN TOOLS

✓ Loan calculator with 4 repayment methods: equal payments, equal principal, flat rate, and promo then floating rate
✓ Solve for any variable: amount, rate, term or monthly payment
✓ Upfront fees and the real APR of a loan
✓ Amortization schedule by month or by year, with a remaining-balance chart
✓ Save 3 loans and reload them with a tap
✓ PDF export of the schedule (with a small watermark)
✓ Payment reminders and a quick-calculate home-screen widget
✓ 26 currencies, 12 languages, light and dark theme

PRO — LIFETIME, MONTHLY OR 3-MONTH PLAN

Buy once for life, or subscribe monthly or every 3 months and cancel anytime in Google Play. Not ready to pay? New installs get 5 free credits to open Avalanche or a single tool for 24 hours, and each optional short video earns one more credit.

★ Unlimited debts and the Avalanche strategy
★ Custom order: rank the debts yourself with up and down buttons
★ Compare strategies: Snowball and Avalanche side by side, with the payoff month of each debt
★ Credit card payoff calculator: minimum payment vs a fixed monthly amount
★ Extra payment simulator: monthly extras and lump sums, shorter term or lower payment, with the new schedule
★ Refinance and consolidation comparison, with switching costs and break-even month
★ Affordability and true rate, savings, car lease, and weekly or every-2-weeks payments
★ Unlimited saved loans, compared side by side
★ PDF without watermark, plus CSV that opens in Excel
★ Loan widget: next payment, due date and progress
★ Backup and restore to a file you choose
★ App lock with fingerprint, face or screen lock

WHY USE IT

• A plan you can see: the order your debts disappear and the month each one ends.
• Snowball or Avalanche: switch strategies and watch the date and the interest change.
• No account needed. Pro removes all ads.

PRIVACY

The debts, balances, rates and names you type stay on this phone: they are never uploaded and there is no account. Backups are files you save yourself. The app uses Google Analytics and Crashlytics to count which screens and features are used and to receive crash reports; that reporting never includes your figures and can be switched off in Settings. Purchases are handled by Google Play. The free version shows ads from Unity Ads (a banner at the bottom and an occasional full-screen ad between tools), which may use your device's advertising ID; optional reward videos earn extra credits. Pro removes all ads.

All results are estimates for information only, not financial advice. Actual interest and payoff dates depend on each lender's terms — check them with your lenders.

Recent changes:
• 0% / promo APR with an end date, plus deferred-interest warnings and an option to pay those debts first.
• Snowflakes: add one-time extra payments or a different extra for a special month.
• Record real payments: see % paid off and whether you are ahead of or behind plan.
• Milestone celebrations with a shareable progress image (amounts hidden by default).