Debt Payoff: Snowball Plan
Avalanche tracker & calculator
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Get out of debt in 2026. Free trial shows your debt-free date in seconds. Snowball or avalanche, extra-payment forecasts that save you months.
Pay off debt faster. See your debt-free date in seconds.
Debt Payoff is the simplest way to crush credit card debt, student loans, car loans, mortgages, and more — using the snowball method, the avalanche method, or your own custom plan. Add every balance, pick a strategy, and watch your debt-free date move closer with every payment.
Built for people who actually want to be free of debt — not just track it.
WHY DEBT PAYOFF
• Snowball method — Pay off your smallest balance first for fast, motivating wins. Every cleared debt rolls its payment into the next, so payoff accelerates with every win.
• Avalanche method — Pay off your highest-interest debt first to save the most money in total interest. The mathematically optimal strategy when discipline isn't your bottleneck.
• Side-by-side comparison (Premium) — See exactly how much money and how many months each strategy saves you. Pick the one that fits your life and your math.
• Extra-payment savings forecast (Premium) — Curious what adding $50 a month would do? Get the answer instantly — months saved, total interest saved, and your new debt-free date.
• Milestone celebrations — Hit 25%, 50%, 75%, first-debt-cleared, and debt-free. Real progress markers, not vanity metrics.
• Multi-currency support — 50+ currencies including USD, EUR, GBP, CAD, AUD, JPY, INR, BRL.
• Four languages — English, German, French, Spanish.
• Private by design — Your debt is your business. Nothing leaves your phone. No accounts, no servers, no analytics.
HOW IT WORKS
1. Add every balance — credit cards, student loans, car loans, mortgages, medical bills, personal loans, anything you owe.
2. Enter each debt's minimum payment and interest rate (APR).
3. Pick a strategy — Snowball, Avalanche, or Custom.
4. Add extra payment if you have it.
5. Watch the math unfold — months to debt-free, total interest paid, and a payment-by-payment plan.
No spreadsheets. No formulas. No "let me figure out the math."
SNOWBALL OR AVALANCHE?
Choose Snowball if you've tried to pay off debt before and lost motivation halfway. Quick wins keep you in the game.
Choose Avalanche if you trust the math and want to pay the least amount of interest possible. It saves more on paper but takes longer to feel a victory.
Most people start with Snowball, switch to Avalanche once they've cleared a debt or two. Debt Payoff makes the switch one tap.
GREAT FOR
• Credit card debt payoff
• Student loan tracking
• Car loan payoff planning
• Medical bills consolidation
• Personal loans
• Multi-account budgeting
• Debt consolidation planning
• Building toward financial freedom
GET STARTED FREE
Free with up to 2 debts. Premium unlocks unlimited debts, side-by-side strategy comparison, and the extra-payment savings forecast.
3-day free trial. Cancel anytime in Settings.
This app offers a weekly subscription with a 3-day free trial, and an annual subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel subscriptions in your Apple ID Account Settings. Restore purchases from the app settings.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
v1.0.1 — small refinements based on early feedback:
• Smarter App Store review prompt — only after meaningful moments, never mid-task
• Faster onboarding for fresh installs
• Bug fixes and stability improvements
Thanks for using Debt Payoff. Keep crushing it.
The developer, Charles Dapaah-Siakwan, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Charles Dapaah-Siakwan
- Size
- 1 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 3 more
- English, French, German, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Weekly Premium $3.99
- Annual Premium $29.99
- Copyright
- © 2026 App Harbour ApS