SnowballPay: Debt Planner

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About this app

SnowballPay is a personal debt payoff planner that helps you organize debts, compare repayment strategies, and create a projected path toward paying off your balances.

The app is designed for users who want to plan and understand their debt repayment without connecting bank accounts or sharing financial account credentials.

HOW SNOWBALLPAY WORKS

Start by entering your debt information manually, such as the debt name, current balance, interest rate, and minimum monthly payment.

You can then add an extra monthly payment amount or other planned payments and select a repayment strategy.

SnowballPay supports two common debt repayment methods:

Debt Snowball: Prioritizes debts with the lowest balance first. As smaller debts are paid off, their payments can be redirected toward the next debt.

Debt Avalanche: Prioritizes debts with the highest interest rate first, which can help users compare a repayment approach focused on reducing interest costs.

After entering your information, SnowballPay calculates a projected repayment schedule based on the information and assumptions you provide.

KEY FEATURES

• Compare Debt Snowball and Debt Avalanche repayment strategies.
• View projected payoff timelines and estimated debt-free dates.
• Review a month-by-month amortization and balance schedule.
• Adjust your extra monthly payment amount and see how projections change.
• Add multiple debts and organize them into a repayment plan.
• Record repayment progress and review payoff milestones.
• Export or copy a plain-text summary of your projected payoff plan.
• Use the planner without connecting a bank account or providing bank login credentials.
• Keep debt-planning information stored locally on your device.

PRIVACY AND DATA

SnowballPay is designed to work offline for its core debt-planning features. The app does not require bank connectivity, open-banking connections, or credit-bureau access.

Debt information entered into the app is intended to remain on your device. SnowballPay does not require users to provide bank passwords, credit-card numbers, PINs, Social Security numbers, or bank account credentials.

Optional device features may be used for local notifications and for importing or exporting debt-plan files when those features are available.

FINANCIAL INFORMATION

SnowballPay is a planning and calculation tool. It does not provide loans, credit, debt consolidation, banking services, money transfers, investment services, or credit reporting.

SnowballPay does not apply for loans or negotiate with creditors on your behalf.

The repayment schedules and payoff dates shown by the app are projections based on the information entered by the user. Actual interest, fees, payment requirements, lender policies, and payoff dates may differ.

SnowballPay is not a substitute for professional financial, legal, tax, or credit advice. Users should review their individual financial circumstances and the terms of their accounts before making financial decisions.

PRIVACY

SnowballPay is designed with a local-first approach to financial planning. Your debt balances, interest rates, payment amounts, and repayment plans are entered and managed by you on your device.

For more information about data handling, please review the SnowballPay Privacy Policy and Terms of Service.

What’s new

Initial release of SnowballPay.

• Plan and organize your debts in one place
• Compare Debt Snowball and Debt Avalanche strategies
• View projected payoff dates and repayment timelines
• Review month-by-month balance and interest projections
• Adjust extra monthly payments to explore different payoff scenarios
• Track repayment progress and milestones
• Export or copy your payoff plan
• Designed for private, local debt planning without bank account connections