Debt Free Date: Snowball

Debt Free Date turns your debts into a plan with a date on it.

Enter what you owe, and see exactly when you'll be free — then watch that date move closer every time you put a little extra toward it.

LOG WHAT YOU ACTUALLY PAY This isn't just a calculator. Log each payment as you make it and watch the balance drop for real. Every payment is split into interest and principal, so you can see exactly how much of it went to the lender and how much went to getting free. Your history builds month by month, with a streak that rewards showing up.

COMPARE THE TWO STRATEGIES THAT WORK Snowball pays your smallest balance first, so you clear whole debts early and build momentum. Avalanche targets your highest interest rate first, so you pay less overall. See both side by side, with real numbers from your own debts, and choose the one you'll actually stick with.

BUILT ON A REAL PAYOFF ENGINE Every dollar is accounted for. When a debt is cleared mid-month, the leftover payment rolls straight to the next one, exactly as it would in real life — so the date you see is the date you get.

YOUR DATA NEVER LEAVES YOUR PHONE No account. No sign-up. No servers. Nothing to connect to your bank. Everything you enter stays on your device, and there's nothing for anyone to breach.

ONE PAYMENT, NOT A SUBSCRIPTION The free version tracks up to 2 debts with the Snowball strategy. Unlock Pro once for unlimited debts, the Avalanche comparison, monthly payment reminders, and a shareable debt-free countdown card. No recurring charge, ever.

Debt Free Date is a calculator, not financial advice. Projections assume the payments you enter and don't account for fees, rate changes, or promotional periods ending.