HazelLog

HazelLog turns a pile of balances into one clear answer: the month you finish paying. Add every debt you carry — mortgage, car, student loan, personal loan, credit card — with its rate, term and instalment. HazelLog builds the full month-by-month amortization behind each one and shows you exactly what your payment buys in principal and what it loses to interest. WHAT YOU GET • Full amortization for every loan. Browse the first year, one row per year, or every single month to payoff. • A what-if slider on each loan. Drag an extra monthly amount and watch the payoff date and the total interest move in real time, then make it recurring in one tap. • A payoff planner for the whole portfolio. Set what you can spare each month and compare avalanche, snowball and proportional ordering side by side, scored against the same budget so the comparison is honest. • A payment log. Record what you actually paid; HazelLog splits it into interest and principal, updates the balance, and every forecast follows. • A dashboard that answers the real question. Total outstanding, percentage repaid, what interest is accruing this month, and the projected debt-free date plotted against the do-nothing path. • Milestones for the long haul. Ten of them, from your first logged payment to clearing a balance to being debt free. • Guidance and a plain-English glossary. Twelve short notes on why early principal is worth more than late principal, when snowball beats avalanche, and what APR actually means. BUILT FOR PRIVACY HazelLog is completely offline. No account, no sign-in, no sync, no analytics, no ads. Your balances never leave your phone — there is no server for them to go to. The app works identically in airplane mode. TWELVE PRESETS TO START FROM Not sure what to type? Start from a preset — 30-year and 15-year mortgages, new and used car loans, federal and private student loans, consolidation loans, credit and store cards — then edit the numbers to match your own. HazelLog does the arithmetic so you can make the decision. It is not financial advice, and it does not connect to your bank.