Debt Tracker Downloads & RevenueDebt Tracker: Snowball Planner · App Store

Five balances, five minimum payments, no idea which one to tackle first. Debt Snowball turns the pile into one ordered payoff plan with a debt-free date on the front page — and shows exactly how much interest that plan costs before you commit to it.

Most debt apps hand you an order and cheer. Debt Snowball shows its arithmetic. Every figure — the finish date, the interest total, the month each debt clears — is computed from the balances, APRs and minimum payments you enter, and recomputed the moment you record a payment. And when a plan cannot work, it says so: if your minimums do not even cover the monthly interest, you get a plain-language warning and the exact gap to close instead of a fantasy date.

WHAT YOU GET

• A debt-free date, not a vibe — "Mar 2029" computed from your real numbers, waiting on the plan page every time you open the app
• Snowball order puts the smallest balance first, so your first cleared debt arrives in weeks — and its freed minimum rolls into the next one automatically
• Avalanche order attacks the highest APR first; the side-by-side comparison prices both orders in your currency, so you choose with numbers, not slogans
• Drag the extra-payment slider and watch the finish line move — the projection chart redraws the whole descent to zero as you slide
• An honest red flag when a minimum does not cover its own interest, naming the debt that is quietly growing and what stops it
• Due-date reminders three days before each payment, a payment history on every debt, and one-tap CSV export of everything you have entered

PERFECT FOR

• Anyone juggling several credit cards who wants one ordered plan instead of five separate due dates
• Snowball method followers who want the rollover maths done for them every month, without a spreadsheet
• Rate minimisers who want avalanche's interest savings proven on their own balances before switching
• Anyone who refuses to hand a debt app their bank login just to make a plan

WHY NOT JUST A SPREADSHEET?

A spreadsheet can model a snowball — until a debt clears mid-month, its minimum has to cascade, the final instalment is partial, and one wrong cell quietly shifts your date by a year. Debt Snowball runs the full amortisation month by month, applies each freed minimum exactly once, and never overpays a closing balance. You record a payment; everything downstream updates itself.

PRIVATE BY DEFAULT

No account, no bank connection, no server. Debts, payments and settings live in on-device storage and never leave your phone. Reminders are local notifications. Export to CSV whenever you want; delete the app and the data is gone — there is no copy anywhere for anyone to hold.

FULL ACCESS

Debt Snowball Pro is the whole app: as many debts as you have, the avalanche order, the side-by-side strategy comparison and the month-by-month projection chart. There is no free tier — choose weekly, yearly, or a one-time lifetime purchase.

Add your first balance tonight and see your debt-free date before y