My Snowball: Debt-Free planner

See your real debt-free date, try extra payments, and keep every number on your device.

A smarter, private way to become debt-free.

Debt can feel overwhelming. My Snowball turns it into a clear, achievable plan.

Add your debts, choose the payoff strategy that works for you, and see exactly when you'll become debt-free. Experiment with extra payments, compare different scenarios, and stay motivated as every payment moves you closer to financial freedom.

Everything runs directly on your device, so your financial information stays completely private.

No account. No sign-up. No cloud. No subscriptions.

BUILD YOUR DEBT PAYOFF PLAN Take control of your finances with powerful planning tools designed to keep you focused and motivated.

FREE FEATURES

• Plan up to four debts
• See your projected debt-free date, down to the month
• Choose your payoff strategy:
  • Snowball — pay off the smallest balances first for quick wins and momentum
  • Avalanche — pay off the highest interest debts first to save the most money
• Test "What If?" scenarios with extra monthly payments
• Add one-time windfalls and instantly see how much sooner you'll be debt-free
• Follow a clear payoff order so you always know which debt to tackle next
• Add payment reminders directly to your calendar

MY SNOWBALL PRO One purchase. No monthly subscription. No recurring fees.

Upgrade to Pro and unlock:

• Plan and manage unlimited debts
• Compare refinance and balance transfer options before making a decision
• Export your personalized payoff plan as a PDF
• Track intro rates and promotional periods before they expire
• Track your complete payoff journey, including:
  • Months of progress
  • Your longest payment streak
  • Every milestone you've achieved
• Celebrate your success by adding a reward photo for your debt-free finish line

Buy it once. You won't be charged again.

PRIVACY FIRST Your financial information is personal. It should stay that way. That's why My Snowball is built with privacy at its core.

• Everything stays on your device
• No accounts or registration
• No cloud storage
• No tracking or analytics
• No ads
• Works completely offline

Your debts, balances, payments, and financial plans are never uploaded or shared. They remain on your device unless you choose to export your payoff plan.

Purchases are processed securely through Apple's App Store. We never receive your payment information, and we never have access to your financial data.

EVERY PAYMENT COUNTS Whether you're paying off credit cards, personal loans, student loans, or other debts, My Snowball helps you stay organized, motivated, and focused on one goal: becoming debt-free.

Simple planning. Clear progress. Complete privacy.