Debt Descent: Payoff Planner

Debt Descent shows you exactly when you'll be debt-free. Enter your real balances and APRs, and it lays out your payoff plans side by side so you can see which one gets you there faster and cheaper.

I built it while paying down my own debt, and the features are the ones I needed myself.

Add your debts and the extra you can pay each month, and Debt Descent runs both standard methods at once:

- Snowball: pay off the smallest balance first for quick wins
- Avalanche: pay off the highest APR first to save the most interest

You get real numbers:

- Your debt-free date and payoff time for each method
- Pick a debt-free date and see the extra it takes
- Total interest, total paid, and what each method saves, side by side
- A "descent to zero" chart that plots every balance falling to zero
- What's left over: add your take-home pay (or read it from a paystub) and the bills outside the plan, and see what's really left each week, month, and year

It also handles the parts of real life that get in the way of a plan:

- Windfalls: add a future bonus or tax refund and watch your payoff date move up
- Pay weekly, every two weeks or twice a month: each debt follows its own payment schedule
- Paydays and bills: see which paycheck covers each payment and bill, and whether what's in the bank covers what's due before the next one
- Autopay: debts and bills on autopay log themselves
- Skip or defer a month's payment, and see what it costs before you do
- Save up for a purchase, and see what charging it would cost instead
- Refinance and consolidation: model a balance transfer, a loan, or new rates per account, then apply the deal in one step
- Payment groups: log one monthly payment that covers several debts and it splits to the cent
- Promo and deferred-interest tracking, with a notification before a 0% intro APR ends
- Per-debt amortization schedules and "Test a payoff" what-ifs
- Payment logging that shows whether you're ahead of the plan or behind
- Due-date notifications you can log a payment from, a payday notification, and calendar (.ics) export
- Siri, Shortcuts, Spotlight and widgets: ask when you'll be debt-free, or log a payment by voice or from the medium widget
- A "Track only" option for balances you want to watch outside the plan
- Built for accessibility: Dynamic Type up to the largest sizes, and VoiceOver reads each field and row by name

Adding a card takes seconds:

- Scan a paper statement with the camera or open a statement PDF, and Debt Descent reads the balance, APR, any intro rate, minimum, and due date for you
- Or import and export your whole plan as JSON or PDF

Sync and privacy:

- iCloud sync keeps your debts, payments, and plan up to date across iPhone, iPad, and Mac. It's automatic and free.
- There's no account, no sign-up, and no server on my end. Your data lives on your device and in your own private iCloud, where I can't see it.
- There's no bank linking. You type your balances or point the camera at a statement, and nothing connects to your accounts.
- Statements are read on your device. Nothing is uploaded.
- Lock the app with Face ID, hide your numbers on a shared screen, and get a weekly backup in your iCloud Drive.

Debt Descent is free to use: add your debts, run Snowball and Avalanche, see your debt-free date, track payments and progress, pay on your own schedule, track bills by paycheck, put debts on autopay, skip or defer a payment, see what's left over after debt and bills, share your progress card, read a statement on your device, and export your payments as a CSV. A one-time Pro upgrade ($14.99, unlocks on all your devices and, with Family Sharing, your family's; no subscription) adds five more payoff methods including a custom order you set yourself, the what-if slider and per-debt payoff tests, picking your debt-free date, windfalls, refinance modeling, amortization schedules, PDF and calendar export, and due-date, payday and promo notifications.