Debt Ladder: Snowball Plan

See the exact date you stop owing money — then watch it move closer.

Debt Ladder turns your cards and loans into one clear payoff plan. Enter each balance, its interest rate, and the minimum payment once, set what you can put toward debt each month, and Debt Ladder works out the rest: the order to pay in, the month every debt clears, and the total interest you will pay getting there.

SNOWBALL OR AVALANCHE, ON YOUR REAL NUMBERS
• Snowball clears your smallest balance first, so the wins arrive early and momentum builds
• Avalanche attacks the highest interest rate first, so you pay the least interest overall
• Compare the two side by side and see the difference in months and in interest, worked out on your balances rather than on somebody's example

EXTRA PAYMENTS ARE THE POINT
Put a little extra on a card this month? Log it against any debt, on any day, for any amount. The whole plan re-projects the moment you save it: new payoff order, new debt-free date, new interest total. Every extra payment shows up as time bought back, which is the only reason anyone keeps making them.

A MONTHLY CHECK-IN THAT TAKES A MINUTE
This month's payments are already listed. Tap the ones you made, correct anything that came out different, and your balances update. The progress bar tells you where you actually stand: how much you have paid down, how far along you are, and the month you finish.

WHAT-IF, BEFORE YOU COMMIT
• Move a slider to see what paying a bit more every month does to your debt-free date
• Drop in a one-off payment — a tax refund, a bonus, a side job — and watch the date jump
• Switch strategies and see immediately what it saves or costs you

YOUR NUMBERS STAY YOUR NUMBERS
No bank linking. No account to create. No sign-up, no ads, no upsells to a lender. Your balances, rates, and payments live on your phone, which is where something this personal belongs.

WHAT YOU GET FOR FREE
Up to three debts, either strategy, the full monthly check-in, your debt-free date, and payment reminders. A complete tool at zero, not a demo that stops at the interesting part.

DEBT LADDER PRO
• Unlimited debts and loans
• Snowball vs avalanche comparison, side by side
• What-if sliders and one-off payment simulations
• Interest-saved projections and the balance-over-time chart

WHO IT IS FOR
Anyone paying down credit cards, a car loan, student loans, a personal loan, or the family member you still owe. Whether you are following the snowball method, the avalanche method, or just trying to work out which one finishes sooner.

Debt Ladder is a planning tool, not financial advice. It does careful arithmetic on the numbers you give it and shows you the result; what you do with that is your call.

Pro is available as a monthly or annual auto-renewing subscription, or as a one-time Lifetime purchase. The annual plan opens with a 7-day free trial. Prices are shown in your own currency before you buy. A subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period; manage or cancel any time in your App Store account settings. Any unused part of a free trial is forfeited when you buy a subscription.

Debt Ladder is made by Adelyons Software LLC.

Questions or feedback? Email dev@adelyons.com.

Terms of Use (EULA): https://adelyons.com/apps/debtladder/eula.html
Privacy Policy: https://adelyons.com/apps/debtladder/privacy.html