Debt Payoff Copilot
Avalanche vs Snowball
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Enter balances, APRs, and payments to compare Normal, Avalanche, and Snowball methods. Get a clear, actionable recommendation that saves interest or time.
Debt Payoff Copilot is a clean, offline tool to compare three strategies:
- Normal: Pay minimums and see overall cost and timeline;
- Avalanche: Prioritize highest APR to minimize interest paid;
- Snowball: Prioritize smallest balance to build momentum and finish faster.
Highlights:
- Side-by-side results: months to payoff, total interest, and total payment;
- Smart recommendation (NSAttributedString) tailored to your data;
- Friendly input UX: keyboard-safe fields that auto-scroll into view;
- Clear validation: prevents saving invalid data (e.g., payment below monthly interest);
- Local computation, privacy-friendly: no data collection, works offline.
Notes:
- This app does not provide financial or legal advice;
- Keep your balances/APRs updated monthly for best accuracy.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, 雨川 甘, 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
- 雨川 甘
- Size
- 546.8 KB
- Category
- Utilities
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Languages
- English and Simplified Chinese
- Age Rating
4+
- 4+
- Copyright
- © 2025 GANYUCHUAN