Debt Payoff Copilot

Enter balances, APRs, and payments to compare Normal, Avalanche, and Snowball methods. Get a clear, actionable recommendation that saves interest or time.

Debt Payoff Copilot is a clean, offline tool to compare three strategies:

• Normal: Pay minimums and see overall cost and timeline;
• Avalanche: Prioritize highest APR to minimize interest paid;
• Snowball: Prioritize smallest balance to build momentum and finish faster.

Highlights:

• Side-by-side results: months to payoff, total interest, and total payment;
• Smart recommendation (NSAttributedString) tailored to your data;
• Friendly input UX: keyboard-safe fields that auto-scroll into view;
• Clear validation: prevents saving invalid data (e.g., payment below monthly interest);
• Local computation, privacy-friendly: no data collection, works offline.

Notes:

• This app does not provide financial or legal advice;
• Keep your balances/APRs updated monthly for best accuracy.