Debt Payoff Planner & Tracker

You know you owe money. What you do not know is exactly when it ends — and that uncertainty is what makes debt feel permanent. Debt Payoff Planner & Tracker gives you a specific month, a specific number, and a step-by-step schedule so the end of your debt is a date on a calendar, not a vague someday. 1. Enter your debts — credit cards, student loans, car loans, personal loans, medical bills, mortgages, taxes. Any balance with a rate and a minimum payment. 2. Choose your method: • Debt Snowball: smallest balance first (Dave Ramsey approach). Quick wins that keep you motivated. • Debt Avalanche: highest interest rate first. Mathematically optimal — saves the most in interest. • Custom order: drag debts into any sequence that fits your life. 3. See your debt-free date immediately. The app calculates the exact month you make your last payment, how much total interest you will pay, and how much you save by paying extra each month. 4. Update your balance monthly — one number, thirty seconds. The schedule recalculates itself. 5. Compare strategies side by side: snowball vs. avalanche, with interest saved and months gained displayed together. Pick with data, not guesswork. 6. Track progress with a payoff chart showing two curves: minimum-only payments vs. your actual accelerated schedule. Watch the gap close. Works entirely offline. No account required. No bank connection. No personal data collected or transmitted. Your debt details stay on your device. For anyone carrying credit card debt, student loans, car loans, or any combination — this is the clearest path from where you are to debt-free. Built by people who paid off debt themselves and wanted a tool that respects your intelligence: no gamification, no streaks, no notifications asking you to "check in." Just a ledger, a plan, and a date. MORE WAYS TO USE IT • Debt payoff calculator showing which debt to pay first using snowball or avalanche method • Debt snowball app listing your debts from smallest to largest balance for quick wins • Debt avalanche calculator targeting the highest interest rate debt first to save money • Loan payoff tracker showing the exact number of months until you are completely debt-free • Total interest saved calculator comparing snowball versus avalanche payoff strategies • Debt-free date calculator that updates automatically as you enter extra payments