Debt Simulator

Take control of your debt. Debt Simulator helps you understand exactly how long it will take to pay off your credit cards and loans — and how to do it faster.

📊 SIMULATE YOUR PAYOFF
Enter your balance, APR and monthly payment. Instantly see how many months you need, how much interest you will pay, and your month-by-month amortization table.

💡 COMPARE STRATEGIES (Premium)
Avalanche vs Snowball: see side by side how much money and time you save by prioritizing the right card. Real numbers, real savings.

📈 VISUALIZE YOUR PROGRESS
Watch your balance curve drop over time with a clear chart.

🔔 MORE TOOLS
• Track multiple cards and loans with custom colors
• Minimum payment tracking
• Log your real payments and see your progress
• Payment reminders (Premium)
• Export reports to PDF (Premium)
• Home screen widget (Premium)
• Dark mode • English and Spanish

🔒 100% PRIVATE
All your data stays on your device. No servers, no data collection, no tracking. Your finances are yours alone.

Free version includes up to 2 cards and full simulation. One single purchase unlocks everything forever — no subscriptions.