Debt Payoff Planner: Snowball

LKPixel

Contains adsIn-app purchases

About this app

Are you ready to become debt-free? Stop guessing and take total control of your money. Debt Payoff Planner is your personal credit card payoff tracker and loan calculator designed to help you crush debt and regain financial freedom.

Whether you are managing credit card debt, personal loans, student loans, or mortgages, our smart debt payoff calculator builds a custom roadmap. Save thousands in interest fees, track payments accurately, and find your exact debt-free date.

🔥 PROVEN DEBT PAYOFF STRATEGIES
• Debt Snowball Method: Pay off your smallest balances first to build fast psychological momentum.
• Debt Avalanche Method: Prioritize high-interest APR balances first to maximize total interest savings.
• Instant Strategy Comparison: Compare Snowball vs. Avalanche side-by-side to choose the smartest payoff plan.

💳 NEW: CREDIT CARD & EXPENSE TRACKING
• Log Payments & Charges: Record payments or add new credit card expenses to keep balances matching your real-world bank statements.
• Debt Payment History: View your complete past transaction history directly inside each debt detail view.
• Accrued Interest Tracking: Understand how monthly APR impacts your balance so your numbers remain completely transparent.

📈 INTERACTIVE ANALYTICS & EXTRA PAYMENT SIMULATOR
• Visual Payoff Charts: Track historical payment growth and projected payoff schedules on clean interactive graphs.
• "What-If" Payment Simulator: Adjust monthly extra payment sliders to see how an extra $50 or $100 shaves months off your timeline.
• Debt-Free Countdown: Watch your estimated debt-free date move closer with every payment made.

📄 EXPORT CUSTOM PDF ROADMAP
• Printable Payoff Schedules: Export full debt amortization schedules and breakdown summaries to PDF.
• Share & Print: Download to your device or share your financial roadmaps with one tap.

🔒 100% PRIVATE, SECURE & OFFLINE
• No Bank Account Linking: No logins, no credentials, and no sensitive financial data leaves your device.
• Works Completely Offline: Manage your debts anywhere without an active internet connection.
• Encrypted Local Backup: Securely export and restore your data files anytime.

🌍 MULTI-CURRENCY SUPPORT
Full Unicode currency support for over 30 global currencies including USD ($), GBP (£), EUR (€), CAD (C$), AUD (A$), INR (₹), and more.

KEY HIGHLIGHTS:
✅ Unlimited debt tracking (Credit cards, car loans, medical bills, student loans)
✅ Snowball & Avalanche payoff calculators
✅ Export detailed PDF debt reports
✅ Add new expenses & payment adjustments
✅ Clean, distraction-free interface

Stop stressing over minimum payments. Download Debt Payoff Planner today and start your journey to a debt-free life!

Ratings and reviews

While the app does let you track your debts, it does not let you adjust for the different ways that interest is calculated. You can record a payment, but the interest isn't calculated correctly, so it does not match your monthly statements. It appears you are paying things off faster than you really are, which is misleading and disapointing. There is also no way to see if you recorded a payment or not. It's an ok app, but I am definitely looking for a better one.

Straight forward with little wiggle room. Tracks amount owed and payments, but not where you can add expenses. I like to look at the history of past payments, but that wasn't an option. There's an ad after every data input. You can remove them after paying $4.99+tax. It has potential but needs a few options for me.

edit/ I uninstalled it after hitting two 30s ads in two clicks. Everything I tried to click on opened an ad. That is fair feedback. I cannot rate the app on usability as I could not use it. Happy to send a screenshot showing this was in my past app but I'm not downloading this again. Was recommended on Reddit. seems like a scam. I can't even click on one thing without it opening an ad. I don't mind a dev needing to make some money but I can't even explore the app without advertisements.

What’s new

What's New in v3.0.2:
• Expense Tracking: Easily add new charges to keep balances accurate.
• Payment History: View past payment logs directly inside each debt.
• Smarter Calculations: Better APR interest breakdown matching bank statements.
• Better Experience: Relaxed onboarding with significantly reduced interruptions.
• PDF Export: Improved formatting and export stability.
• Bug fixes and overall performance improvements.