Debt Snowball: Payoff Planner

Five balances, five minimum payments, no idea which one to attack first. Debt Snowball turns the pile into one ordered payoff plan with a debt-free date on the front page — and shows exactly how much interest that plan costs before you commit to it.

Most debt apps hand you an order and cheer. Debt Snowball shows its arithmetic. Every figure — the finish date, the interest total, the month each debt clears — is computed from the balances, APRs and minimum payments you enter, and recomputed the moment you record a payment. And when a plan cannot work, it says so: if your minimums do not even cover the monthly interest, you get a plain-language warning and the exact gap to close instead of a fantasy date.

WHAT YOU GET

• A debt-free date, not a vibe — "Mar 2029" computed from your real numbers, waiting on the plan page every time you open the app
• Snowball order puts the smallest balance first, so your first cleared debt arrives in weeks — and its freed minimum rolls into the next one automatically
• Avalanche order attacks the highest APR first; the side-by-side comparison prices both orders in your currency, so you choose with numbers, not slogans
• Drag the extra-payment slider and watch the finish line move — the projection chart redraws the whole descent to zero as you slide
• An honest red flag when a minimum does not cover its own interest, naming the debt that is quietly growing and what stops it
• Due-date reminders three days before each payment, a payment history on every debt, and one-tap CSV export of everything you have entered

PERFECT FOR

• Anyone juggling several credit cards who wants one ordered plan instead of five separate due dates
• Snowball method followers who want the rollover math done for them every month, without a spreadsheet
• Rate minimisers who want avalanche's interest savings proven on their own balances before switching
• Anyone who refuses to hand a debt app their bank login just to make a plan

WHY NOT JUST A SPREADSHEET?

A spreadsheet can model a snowball — until a debt clears mid-month, its minimum has to cascade, the final instalment is partial, and one wrong cell quietly shifts your date by a year. Debt Snowball runs the full amortisation month by month, applies each freed minimum exactly once, and never overpays a closing balance. You record a payment; everything downstream updates itself.

PRIVATE BY DEFAULT

No account, no bank connection, no server. Debts, payments and settings live in on-device storage and never leave your phone. Reminders are local notifications. Export to CSV whenever you want; delete the app and the data is gone — there is no copy anywhere for anyone to hold.

FULL ACCESS

Debt Snowball Pro is the whole app: as many debts as you have, the avalanche order, the side-by-side strategy comparison and the month-by-month projection chart. There is no free tier — choose weekly, yearly, or a one-time lifetime purchase.

Add your first balance tonight and see your debt-free date before you put the phone down.

SUBSCRIPTIONS

Weekly and Yearly are auto-renewing subscriptions; Lifetime is a one-time, non-renewing purchase. The price and the period are shown on the purchase screen before you buy and are charged to your Apple ID at confirmation. A subscription renews automatically unless auto-renew is turned off at least 24 hours before the current period ends, and the renewal is charged within 24 hours of the period end. Manage or cancel anytime in Settings > your Apple ID > Subscriptions.

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