Snowball: Debt Payoff Planner

Snowball is a debt payoff planner that turns your real balances into a clear, actionable plan. See your estimated debt-free date, choose what to pay next, and stay consistent month after month.
Build a payoff strategy
• Compare debt snowball, debt avalanche, custom-order, and minimum-only plans.
• See payoff dates, projected interest, payoff order, and payment schedules.
• Add recurring extra payments and one-time snowflake payments.
• Model credit cards, personal loans, student loans, auto loans, mortgages, medical debt, and more.
Track real progress
• Keep current balances separate from projected balances.
• Log, edit, and review payments with an audit-friendly history.
• See your focus debt, monthly minimums, due dates, and payoff progress.
• Explore what-if scenarios and export CSV or PDF reports.
Review payments privately
• Import CSV, OFX, or QFX bank files.
• Scan statements on-device or paste a transaction you choose.
• Use Siri and Shortcuts to prepare payments for review.
• On supported devices, optionally use Apple Wallet financial data to find possible debt payments.
• Snowball suggests matches but never changes a balance without your confirmation.
Private by design
• No bank login, ads, or Snowball account.
• Your plan works offline on your device.
• Optional private iCloud sync, device lock, and recovery backups.
Snowball supports USD and CAD for users in the United States and Canada. Choose assumptions for monthly periodic interest, daily simple interest, and Canadian mortgage compounding.
Snowball is an estimation and planning tool, not financial advice. A monthly or annual subscription is required for continued tracking. The annual plan may include a three-day introductory trial for eligible users. Pricing, trial eligibility, and billing details appear in the App Store before purchase.


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