DebtPilot
Snowball & avalanche planner
Only for iPhone
Free · In-App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
New in 3.0: Rate Negotiator shows what a lower rate could save, with a script to ask. Scan a bill, pick snowball or avalanche, and watch your debt-free date arrive.
DebtPilot is the simplest way to make a plan and pay off your debt for good.
Add what you owe — or just scan a bill or statement — choose a strategy, and DebtPilot shows you exactly what to pay each month, when you'll be debt-free, and how much interest you'll save. No jargon, no spreadsheets — just a clear plan you can follow, with progress and rewards that keep you going.
WHAT YOU GET FREE
• Scan a bill or import a PDF — snap a photo or pick a statement and we fill in the balance, rate, and payment for you. Processed on your device; nothing is uploaded.
• Two proven strategies — Snowball (knock out your smallest balance for quick wins) or Avalanche (target your highest rate to save the most). Or set your own custom order.
• Your debt-free date — see the exact month you'll be free, with a progress ring and a live countdown on your Lock Screen and Dynamic Island (Live Activity).
• "This month" plan — know exactly what to pay on each debt, and log payments with one tap, by amount, or with Siri ("Hey Siri, log my DebtPilot payment").
• Quick extra payments — drop a one-time "snowflake" payment on any debt and watch your date move closer.
• Due-date calendar & reminders — see everything due this month at a glance.
• Loan & amortization calculator — see where every payment goes, including mortgage escrow, principal vs. interest, and lifetime interest.
• Month in Review — a monthly recap of what you paid down and how far you've come.
• Achievements, badges & streaks — stay motivated and share your progress.
• Home & Lock Screen widgets, color themes, an interactive tutorial, and a Learn section in plain English.
• iCloud sync — your plan follows you to a new phone, automatically.
• Private by design — everything stays on your device. No account, no tracking, nothing collected.
DEBTPILOT PREMIUM (optional)
Go faster with the full toolkit:
• Rate Negotiator — see what a lower interest rate could save you, with a word-for-word script to ask your lender for one.
• Planning tools — simulate extra payments and a one-time lump sum, and set a target payoff date.
• Budget simulator — enter your income and expenses to find the best amount of leftover money to put toward debt, while keeping a safety cushion.
• Interest-saved breakdown — charts showing exactly how your plan beats paying minimums.
• Refinance / rate "what-if" — see if a lower rate or balance transfer is worth it.
• Payoff projection charts and per-debt month-by-month schedules.
• Export & print your plan as a PDF, or to a spreadsheet (CSV), and track unlimited debts (free covers 3).
DebtPilot is an educational planning tool to help you organize and pay down debt. Figures are estimates and it is not financial advice.
Start your plan today — your debt-free date is closer than you think.
— — —
DebtPilot is free to download and use. DebtPilot Premium is an optional subscription:
• Monthly — $4.99
• Yearly — $29.99
Payment is charged to your Apple Account at purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the period; manage or cancel anytime in your Apple Account settings.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://aganfinancial.com/privacy
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
DebtPilot 3.0 is our biggest update yet — a cleaner redesign plus powerful new tools to get you debt-free faster.
NEW
- Rate Negotiator: see how much a lower interest rate could save you, with a word-for-word script to read when you call your lender
- Live Activity: keep your debt-free countdown on your Lock Screen and in the Dynamic Island
- Color themes: personalize the app with the accent color you like best
- Printable payoff plan: export a clean PDF of your full plan to save, print, or share
- Quick "snowflake" payments: drop a one-time extra payment on your focus debt and watch your date move closer
- Due-date calendar: see every payment due this month at a glance
ALSO NEW SINCE 2.0
- A simpler, redesigned Dashboard, Plan, Progress, and Debts — each screen now has one clear job
- Log a payment with one tap, or just ask Siri
- A budget simulator that finds the best amount of your leftover income to put toward debt
- An "invest or pay off debt?" calculator that compares investing vs. paying down over 1, 3, and 5 years
- A redesigned loan & amortization calculator with mortgage escrow support
- A smarter bill scanner that reads more statements and imports PDFs
- Month in Review, more milestones and badges, and Dark mode by default
- Accuracy improvements and fixes
The developer, Kevin Agan, 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
- Agan Financials Limited Liability Co
- Size
- 4.1 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 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
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- DebtPilot Premium (Yearly) USD 29.99
- DebtPilot Premium (Monthly) USD 4.99
- Copyright
- © 2026 Agan Financials Limited Liability Co.