PayoffPathPlanner

Omnixor

About this app

Take control of your debt with a clear, visual plan.

PayoffPathPlanner turns your cards, loans, and mortgage into one simple payoff path — so you always know exactly where you stand and what to pay next. Everything runs completely offline, and your numbers never leave your phone.

WHAT YOU CAN DO

• Map every debt — Add each card, auto loan, student loan, or mortgage with its balance, interest rate, and minimum payment.
• Follow your payoff path — A living progress trail lights up milestone by milestone as your balances fall.
• Compare strategies — Instantly see how the Avalanche method (highest interest first) and the Snowball method (smallest balance first) change your debt-free date and total interest.
• Add an extra payment — Move a slider and watch your debt-free date jump closer and your interest drop.
• Log payments — Record what you pay and see each balance shrink in real time, with a full amortization schedule for every debt.
• Build money habits — Keep simple daily habits going, track streaks, and see your whole week at a glance.
• Track your wins — Milestones, cleared debts, and achievements keep you motivated all the way to zero.

WHY YOU'LL LIKE IT

• 100% offline — no account, no sign-up, no internet required.
• Private by design — your financial data is stored only on your device.
• No ads, no tracking, no distractions.
• A clean, calm interface built to make progress feel good.

Whether you're tackling one stubborn credit card or a whole stack of loans, PayoffPathPlanner gives you a clear route to a debt-free life — and shows you every step of the way.

What’s new

First release of PayoffPathPlanner. Map your debts, compare the snowball and avalanche methods, log payments, track money habits, and follow your payoff path all the way to debt-free.