Saldar: Debt Payoff Tool

Debt Payoff Strategy Companion

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

iPhone Duo ready-UI debt tracker/planner! Easy debt methods (Snowball, Avalanche, Cash Flow Index). Pay off credit cards using easy to follow strategies! Saldar is a personal debt payoff planner that puts you in control. Add your credit cards, loans, and mortgage, pick a strategy, and see your exact path to debt freedom, including how much interest you'll save and when every debt will finally be gone. WHY SALDAR? Most people pay minimums for years with no idea when they'll actually be debt-free. Saldar changes that. Enter your balances, interest rates, and monthly payments and instantly see your personalized payoff timeline, total interest cost, and how much you could save by putting even a little extra toward your debt each month. DEBT PAYOFF STRATEGIES Saldar supports both the debt avalanche and debt snowball methods, and lets you compare them side by side so you can see exactly how much interest each approach would save and how many months sooner you'd be done. The avalanche method targets your highest-interest balances first to minimize what you pay over time. The snowball method starts with your smallest balances to build momentum and early wins. Neither is wrong. Saldar shows you the numbers so you can decide what fits your life. EVERY TYPE OF DEBT, HANDLED CORRECTLY Credit cards, mortgages, student loans, auto loans, personal loans, HELOCs: Saldar handles the math right for each one. Mortgages use proper amortization and store your escrow separately so your interest calculations stay accurate. Revolving balances like credit cards use daily-rate interest. You don't have to think about any of that. It just works. CLEAR PROJECTIONS, NOT SURPRISES See your payoff date for every debt. View your balance over time as a chart. Add an extra monthly payment amount and watch your payoff date move earlier in real time. See your total interest cost across your whole debt portfolio at a glance. BUILT FOR HOW PEOPLE ACTUALLY LIVE Log payments and charges as they happen. Track your available credit and remaining balances. Share an account with a partner or spouse so you're working toward the same goal together. No ads. No upsells. No overwhelming dashboards full of things you don't need. WHO IT'S FOR Saldar is for anyone carrying debt who wants an honest picture of where they stand and what it would take to get free faster. If you're juggling multiple credit cards, managing a mortgage alongside other debt, paying off student loans, or just tired of not knowing when it ends — this app was built for you. Saldar is for educational purposes only and does not constitute financial, legal, or tax advice. Results are projections based on user-provided data. Consult a licensed financial advisor before making debt management decisions. By downloading this app, you agree to our Terms of Use: https://www.elmtreesoftwareco.com/saldar-terms-of-use/ By downloading this app, you agree to our Privacy Policy: https://www.elmtreesoftwareco.com/saldar-privacy-policy/

  • 5.0
    out of 5
    1 Ratings

-- What's New? -- - Added Firebase Analytics to try and understand onboarding drop-off.

The developer, Benjamin Morris-Rains, 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 Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • User Content
    • Identifiers
    • Usage Data
    • Diagnostics
  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
  • Elm Tree Software Co LLC
Size
  • 61.7 MB
Category
  • Finance
Compatibility
Requires iOS 15.3 or later.
  • iPhone
    Requires iOS 15.3 or later.
  • iPad
    Requires iPadOS 15.3 or later.
  • iPod touch
    Requires iOS 15.3 or later.
  • Mac
    Requires macOS 12.2 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Monthly: $5.99 $5.99
  • Annual - $39.99 $39.99
  • $49.99 $49.99
  • $12.99 $12.99
Copyright
  • © Elm Tree Software Co LLC