PayoffPathPlanner

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.