Debt Snowball Payoff Tracker

Compare snowball vs. avalanche, model extra payments, and watch your debt-free date arrive sooner — every balance planned month by month.

Pay off debt faster and know the exact day you'll be debt-free. Debt Payoff Planner turns every loan and credit card into one clear, month-by-month payoff plan — so you finally see the finish line instead of guessing.

Most debt apps just track balances. This one actually builds the plan: it orders your debts into the smartest sequence, rolls each cleared minimum into the next balance, and shows how a few extra dollars a month erase months of payments and hundreds in interest. Snowball for momentum, avalanche for savings — compare both side by side in seconds.

WHAT YOU GET

• A full month-by-month payoff schedule with your exact debt-free date
• Snowball method that crushes the smallest balance first for fast, motivating wins
• Avalanche method that targets the highest interest rate to save the most money
• An instant compare showing how much interest each method saves you
• A what-if slider that models extra payments and re-draws your finish line live
• Monthly payment reminders so you never miss a due date — fully offline

PERFECT FOR

• Anyone juggling multiple credit cards or loans at once
• Students and grads tackling student-loan balances
• Couples building a shared plan to become debt-free
• People who tried budgeting apps but never saw a real payoff date

WHY NOT JUST USE A SPREADSHEET Spreadsheets don't roll freed-up minimums into the next debt, re-order by method, or update your debt-free date the moment you add an extra payment. Debt Payoff Planner does all of it automatically, with plain-English guidance drawn from U.S. CFPB and Federal Reserve consumer-credit resources.

PRIVACY Every number stays on your device. No bank logins, no accounts, no ads, no tracking — ever.

FULL ACCESS The app is free to add your debts and see your first plan. Premium unlocks the complete experience — the avalanche method, interest-saved compare, the full month-by-month schedule, and what-if extra-payment modeling — through one of these options:

• Weekly subscription
• Yearly subscription
• Lifetime one-time purchase Subscriptions renew automatically unless canceled at least 24 hours before the period ends; manage or cancel anytime in your App Store account settings. The lifetime option is a single purchase with no renewal.

Add your first debt today and see exactly when you'll be free.

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