Owlow: Debt Snowball Planner

Owlow turns a pile of balances into one clear answer: the month you will be debt-free.

No account. No login. No subscription. Your numbers stay on your phone and every feature works offline.

HOW IT WORKS
• Add each debt: balance, interest rate (APR), minimum payment and due day.
• Set the amount you can put toward debt each month, every 2 weeks or every week.
• Pick a strategy and Owlow builds your month-by-month payoff plan.

PICK YOUR STRATEGY
• Debt snowball: smallest balance first, for quick wins that keep you going.
• Debt avalanche: highest interest first, to pay the least interest overall.
• Your own order: move debts up or down and the plan follows.

SEE WHAT EXTRA PAYMENTS DO
• Compare "minimums only" with your plan: payoff month and total interest side by side.
• Drag the "what if" slider to see how $50 more a month moves your debt-free date.
• Watch the balance curve fall and see when each debt is paid off.

LOG PAYMENTS IN ONE TAP
• "This month" shows what to pay on each debt and when it is due.
• Log a payment in one tap; the balance updates right away.
• Got a bonus or a tax refund? Log a one-time extra payment.
• Typed the wrong amount? Edit or delete any payment and the balance goes back.

STAY ON TRACK
• Due-date reminders on the morning a payment is due.
• Home screen widget with your debt-free date and a one-tap payment check.
• A small celebration every time a debt hits zero.

WORKS FOR
Credit cards, student loans, car loans, medical bills, mortgages, personal loans, taxes and anything else you owe.

Owlow's dates and interest figures are estimates based on the numbers you enter. It does not connect to banks and does not move money.

Recent changes:
First release: debt snowball, avalanche or your own order, debt-free date, one-tap payment log, reminders and a widget.