Debt Strategist

Loan payoff & buyback math

Only for iPhone

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

iPhone

Your loans, your numbers, your plan. Snowball or avalanche, early payoff, refinance break-even - with a PDF you can hand to your bank. No account, no subscription. Your bank hands you a 240-line amortization table. It never answers the only question that matters: what do I do with the extra 100 I have this month? Debt Strategist answers it. Enter your loans — mortgage, car, student, revolving credit — and see, in numbers, where your money should go. WHAT IT DOES • Portfolio — total remaining debt, monthly total, and the month you're debt-free. One screen, no spreadsheet. • Amortization — the full schedule for any loan, plus an interest-vs.-principal chart that shows exactly when your payment starts building equity instead of paying the bank. • Early repayment simulator — put 5,000 in today, or raise your payment by 200 a month, and see the months and interest it removes. • Snowball vs. avalanche — smallest balance first, or highest rate first? Both plans are computed side by side with the total interest and payoff date of each, so you choose with a number rather than a feeling. • Refinance analyzer — origination fees, prepayment penalty, new rate, new term, and the break-even month. Sometimes the answer is that a buyback costs you money. The app says so. • PDF export — a clean, printable report of your schedule or your buyback analysis, to take to your bank or your broker. BUILT ON TWO PRINCIPLES No account, no server. Your loans never leave your iPhone. This is arithmetic, not data to resell. No analytics, no third-party SDK, no sign-in. One payment, no subscription. A calculator shouldn't charge monthly rent. Buy it once, keep it. WHAT'S FREE, WHAT'S PAID Free: portfolio, loan detail, full amortization schedule, early repayment simulator. One-time purchase: snowball vs. avalanche comparison, refinance analyzer, and PDF export. GOOD TO KNOW Works in every currency your region uses, in English and French. No internet connection needed to compute anything. Dynamic Type and VoiceOver supported throughout. Debt Strategist computes; it does not advise. It is not a bank, a broker, or a financial adviser, and it makes no recommendation about any specific credit product.

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The developer, Alex Lombry, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

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    Information

    Seller
    Alex Lombry
    Size
    10.2 MB
    Category
    Finance
    Compatibility
    Requires iOS 18.0 or later.
    • iPhone
      Requires iOS 18.0 or later.
    • Mac
      Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
    Languages
    English and French
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    © 2026 Alex Lombry
  • Developer Website
  • Privacy Policy

    • More by Alex Lombry

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