PayoffPathPlanner

Take control of your debt with a clear, visual plan.

PayoffPathPlanner turns your cards, loans, and mortgage into one simple payoff path — so you always know exactly where you stand and what to pay next. Everything runs completely offline, and your numbers never leave your phone.

WHAT YOU CAN DO

• Map every debt — Add each card, auto loan, student loan, or mortgage with its balance, interest rate, and minimum payment.
• Follow your payoff path — A living progress trail lights up milestone by milestone as your balances fall.
• Compare strategies — Instantly see how the Avalanche method (highest interest first) and the Snowball method (smallest balance first) change your debt-free date and total interest.
• Add an extra payment — Move a slider and watch your debt-free date jump closer and your interest drop.
• Log payments — Record what you pay and see each balance shrink in real time, with a full amortization schedule for every debt.
• Build money habits — Keep simple daily habits going, track streaks, and see your whole week at a glance.
• Track your wins — Milestones, cleared debts, and achievements keep you motivated all the way to zero.

WHY YOU'LL LIKE IT

• 100% offline — no account, no sign-up, no internet required.
• Private by design — your financial data is stored only on your device.
• No ads, no tracking, no distractions.
• A clean, calm interface built to make progress feel good.

Whether you're tackling one stubborn credit card or a whole stack of loans, PayoffPathPlanner gives you a clear route to a debt-free life — and shows you every step of the way.