Desdeuda: Debt Payoff Planner

Nilimar

In-app purchases

About this app

Put a date on debt-free. Desdeuda is your plan to pay off debt: it tells you what to pay each payday and the date you could be debt-free.

Add what you owe once and Desdeuda does the math. Each pay period you see how much to pay on every debt, tick off your payments and watch your total go down. On the home screen you choose how to see your progress: a snowball rolling downhill, a wave you surf to the beach, a mountain you climb to the summit or a rocket headed for the moon. Your scene reflects the share of your debt you have repaid.

Add your debts the way they really are
• Credit card: balance, annual rate and minimum payment. If the minimum doesn't bring the balance down, the app tells you.
• Interest-free installments: balance and installments remaining; Desdeuda calculates the monthly payment.
• Store financing: don't know the rate? Enter your payment, how often you pay and how many payments are left, and Desdeuda estimates the interest it charges.
• Personal loan: balance, monthly payment and annual rate. Other debt: balance and monthly payment, with an optional rate.

Choose how to pay
• Debt snowball: start with the smallest balance and see progress early.
• Debt avalanche: start with the highest rate and usually pay less interest.
• Cash flow: start with the debts that free the most monthly payment for the least balance, so your month gets lighter sooner.
• Your order: you decide which debt comes first, like a family loan.
• Your plan runs on your pay schedule (twice a month, weekly or monthly), with optional reminders.
• An extra payment, even a small one, goes to your target debt first.
• When a debt is paid off, you celebrate, and what you were paying on it rolls into the next debt in your plan.
• Almost every change, like ticking a payment, can be undone with one tap.

See your progress
• Your estimated debt-free date, always in view.
• A chart of your debt with your real payments and the projection down to zero.
• The next debt to fall, with its estimated date.
• What your debts cost in interest this pay period, and what your extra payment gets you.
• Milestones you earn by paying, and they stay yours: first payment, halfway, first debt paid off and more.

Know where every number comes from
"How we calculate your plan" explains the rules: how your debt-free date is estimated, when your paydays fall and how each period's interest is calculated.

Your debts stay on your phone
• No account, no bank connection, no ads and no analytics.
• Desdeuda doesn't send us your debts or payments. Everything is saved on your phone.
• Works offline. Only the Pro purchase goes through Google Play.
• Save a backup file and restore it whenever you want, on this phone or a new one.

Free version and Desdeuda Pro
The free version includes up to 5 active debts, the snowball method, all four scenes, payment tracking, progress and milestones, reminders and backup. Desdeuda Pro is a single payment, with no subscription or renewals, and adds:
• Unlimited debts.
• Three more methods: avalanche, cash flow and your order, compared with your own numbers.
• Your payoff roadmap: the order you'd pay off each debt, with its estimated date.
• What each debt will cost you: the estimated interest until it's paid off.
• If you pay a little more: how many pay periods sooner you'd finish and how much interest you'd save.
• How your plan would change with the best of the other methods.
• The extra-payment simulator: try amounts and watch your estimated date change.

Also: Spanish and English, 64 currencies, and light or dark theme.

Desdeuda is a planner for organizing your debt payments. It doesn't lend money, offer credit, check your credit report, move money or give financial advice. Dates, rates and interest are estimates based on the numbers you enter, and your lender may calculate them differently. Always check your statement.

What’s new

Redesigned simulator (Pro): pick a target date and estimate how much extra to pay each payday to get there, or try a one-time payment, like a bonus. You also see how each debt's estimated date changes. And the app now lets you know when a new version is out.