DebtDrop: Debt Payoff Planner

DebtDrop is the private debt payoff planner that shows the exact month you'll be debt-free. Add your credit card balances, loans and bills, pick the debt snowball or debt avalanche method, and get a clear plan in minutes — no account, no bank login, no ads.

See your debt-free date, how much interest you'll save compared with paying only the minimums, and how much sooner you finish with every extra payment. Drag the slider to see what +$150 a month does.

PRIVATE BY DESIGN
• No account, no email, no bank login
• No ad tracking, no data sales
• Your debts and balances stay on your phone
• Back up and restore anytime with a JSON file on Google Drive

SNOWBALL, AVALANCHE — OR YOUR OWN ORDER
• Debt snowball: pay off the smallest balance first and build momentum
• Debt avalanche: pay off the highest APR first and pay the least interest
• Compare both methods side by side, in dollars and in months
• Set a custom payoff order with Pro

BUILT FOR THE DEBT-FREE JOURNEY
• Your exact debt-free date, updated every time you pay
• Interest saved vs paying minimums
• Extra-payment slider for instant what-if answers
• Payment reminders 3 days before and on the due day
• Two-tap payment log
• Any debt: credit cards, student loans, car payments, medical bills, personal debt, buy now pay later, money owed to family
• Any currency

SHARE YOUR PROGRESS
Turn milestones into a progress card for Stories (9:16) or posts (1:1), with a small DebtDrop logo.

FREE AND PRO
The free version includes up to 3 debts and every core feature. DebtDrop Pro is optional:
• Unlimited debts and custom payoff order
• What-if plans: consolidation, balance transfer, refinancing, lump sum
• Snowflake payments (planned one-off extras) and round-ups
• Home screen widgets with a debt-free countdown
• CSV & PDF export of the full schedule
• Accent color themes and privacy blur to hide balances
• Share cards without the logo
Pro comes as a yearly plan with a 14-day free trial, a monthly plan, or a one-time Lifetime purchase.

WHO IT'S FOR
Anyone working through a credit card, student loan or car loan who wants a simple plan without handing over bank details. Snowball or avalanche, one debt or many — DebtDrop keeps the math honest and the finish line visible. No ads, ever.

DebtDrop is a planning tool, not financial advice.

Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel anytime in Google Play > Payments & subscriptions. Lifetime is a one-time purchase with no renewal.

Privacy policy: debtdrop.andrewboyko.name/privacy · Terms: debtdrop.andrewboyko.name/terms

Start your debt payoff plan today and watch your balances drop, month by month.

Recent changes:
First release of DebtDrop: plan your debt payoff with snowball or avalanche, track payments and see your debt-free date. Your data stays on your device.