Payoff Countdown: Debt Tracker

Payoff Countdown is a simple debt tracker for anyone paying down credit cards, loans, or medical bills who wants a clear date to work toward. Add each debt by hand, pick a payoff strategy, and watch your debt-free date count down as you pay.

What it does:
- Add your debts with balance, APR, minimum payment, and type (credit card, personal loan, auto loan, student loan, medical debt, or other)
- Choose Snowball (smallest balance first) free, or add Pro for Avalanche (highest interest rate first), and see your plan recalculate
- Drag the what-if slider to test extra monthly payments and watch your debt-free date and total interest move in real time
- Log a payment in seconds from the Today's Action card, with a suggested amount and quick preset amounts
- Track a weekly payment streak to stay consistent
- See milestones as you cross them: first debt paid off, 25%, 50%, 75%, and 100% debt-free
- Generate a shareable progress card (Pro)
- Set your own currency (USD, EUR, GBP, CAD, or AUD) and a personal goal line above your countdown
- Switch between dark and light themes

Free and Pro
- Free: up to 2 debts, the Snowball strategy, payment logging, streaks, milestones, and the what-if slider up to $25 extra a month
- Pro, one payment of $2.99: unlimited debts, the Avalanche strategy, the full what-if slider, and the shareable progress card

Privacy: everything you see comes from what you type in yourself. Payoff Countdown never connects to your bank, card issuer, or any financial institution, and your debts, payments, and settings are stored under your own account and never sold or shared with third parties. You can clear your data or delete your account at any time from Settings.

Payoff Countdown is an educational calculator and tracker, not financial advice. It won't tell you what to do with your money. It just makes the math and the progress visible so you can see the finish line.

Recent changes:
Initial release.