# ClearDebt: Snowball Planner — Avalanche Debt Payoff Tracker > Comprehensive debt management app for tracking, simulating payoffs, and achieving financial freedom. (iPhone/iPad app by Joshy Joseph.) - Source: https://appshunter.io/ios/app/cleardebt-snowball-planner/id6753349222 (this page in markdown: same URL + `.md`) - Developer: [Joshy Joseph](https://appshunter.io/developer/548586421) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 3.50/5 from 2 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 17.6 · 11 MB - Languages: American English, French (France), German (Germany), Hindi, Chinese (Simplified, China), European Spanish - Released: 2025-10-21 - Data updated: 2026-09-03 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cleardebt-snowball-planner/id6753349222/reviews.md ## What is ClearDebt? **TAKE CONTROL OF YOUR DEBT JOURNEY** ClearDebt is the most comprehensive debt management app designed to help you track, manage, and eliminate debt faster. Whether you're dealing with credit cards, student loans, mortgages, or personal loans, ClearDebt gives you the tools and insights to achieve financial freedom. **WHY CLEARDEBT?** COMPLETE DEBT TRACKING Track unlimited debts across all categories with full payment history. See your total debt, progress percentage, and estimated payoff date at a glance. Beautiful visualizations keep you motivated every step of the way. NEVER MISS A PAYMENT Smart payment reminders ensure you stay on track and protect your credit score. View all upcoming payments in one organized view, sorted by urgency. Set custom reminder times to match your schedule. PAYOFF SIMULATOR Discover exactly how much time and money you can save with our powerful payoff simulator. Compare different payment strategies side-by-side and find the optimal plan for your financial situation. See real results before making decisions. BEAUTIFUL PROGRESS TRACKING Watch your debt shrink with stunning charts and progress indicators. Celebrate milestones as you hit 25%, 50%, 75%, and finally 100% paid off. Visual motivation that keeps you focused on your goals. BUDGET INTEGRATION (PREMIUM) Track income, expenses, and savings alongside your debt payments for a complete financial picture. Set budgets by category, monitor actual spending, and identify opportunities to accelerate debt payoff. ADVANCED ANALYTICS (PREMIUM) Deep insights into your financial journey with detailed charts showing payment trends, balance reduction over time, and interest savings. Export your data anytime for backup or spreadsheet analysis. **KEY FEATURES** FREE VERSION: • Track debts with full payment history • Beautiful progress visualization with animated charts • Payment reminders and notifications • Payoff simulator with multiple scenarios • Debt-free countdown and milestone celebrations • Interest calculations and savings tracking • Support for all debt types • Secure local data storage • Dark mode support • No account required - complete privacy • Home Screen widget: total debt & next payment at a glance PREMIUM FEATURES: • Unlimited debt tracking • Complete budget management system • Advanced analytics dashboard • Data export (JSON formats) • Ad-free experience **PERFECT FOR** • Anyone working to become debt-free • People juggling multiple debts and payments • Those who want to pay off debt faster and save on interest • Users looking for debt payoff motivation and accountability • Financial goal setters and budget-conscious individuals • Anyone tired of tracking debts in spreadsheets **PRIVACY & SECURITY** Your financial data is important to us. ClearDebt stores all data locally on your device - we don't send your information to external servers. Optional iCloud backup keeps your data secure and synced across your devices. No account creation required means complete privacy. **PAYOFF STRATEGIES** ClearDebt helps you implement proven debt elimination strategies: • Debt Snowball Method - Pay smallest balances first for quick wins • Debt Avalanche Method - Target the highest interest rates to save money • Custom Strategy - Create your own payment plan **START YOUR JOURNEY TODAY** Download ClearDebt now and take the first step toward financial freedom. Your debt-free future is closer than you think! This app uses Apple's standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Track unlimited debts - Smart payment reminders - Payoff simulator - Progress visualizations - Budget integration (Premium) - Advanced analytics (Premium) ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | DebtZero Premium | $4.99 | one-time | ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/cleardebt-snowball-planner/id6753349222/reviews.md ### 5/5 — Excellent Update! *2026-05-27* The latest version is fantastic! Most of the earlier issues have been fixed, and the app now works smoothly. Clean design, easy budgeting, great debt tracking, and very useful payment schedule details. Highly recommended for anyone who wants to manage debt and finances easily! ### 5/5 — Best Debt & Budget App I’ve Used! *2026-05-27* I’ve tried many budgeting and debt tracking apps, but Clear Debt truly stands out. The latest update fixed most of the issues users mentioned before, and the app now feels smoother, cleaner, and much more reliable. The new charge tracking, improved transaction history, and clearer payment schedule details are incredibly useful for managing finances daily. I also love the refreshed dashboard… it’s simple, modern, and easy to understand at a glance. What really impressed me is that the developers actually listened to user feedback and continued improving the app with regular updates. That level of support and dedication is rare these days. If you want an easy way to track debt, payments, and monthly budgeting, I highly recommend Clear Debt. Definitely worth downloading! ### 2/5 — Not as promised *2026-04-03* This app insists it will sync via iCloud if you have devices on same Apple ID but it does not. It does not even show up as an option when ICloud Drive is checked. A request to customer support AND a great search of all the faq section were worthless. Save your 5 dollars and design your own. Also, it does not let you show bi-weekly payments. Even though you enter 2 x a month payment, the summary page just shows it as if you were going to make one. Also, it does not apply the budget to the amount of money you supposedly have to retire debt. It makes it look on a given month if all your income is in the extra for retirement column, **Developer response:** Issues resolved ### 5/5 — Great!!! *2025-12-10* I’ve reviewed more than 50 similar apps, and this one truly stands out as one of the best for tracking debit and budgeting. It’s clean, simple, and very useful for daily financial management. I even purchased the paid version because I really love how smoothly it works. There are a few minor issues that I hope the developers will improve in future updates. After making a payment, some transactions cannot be deleted, which can be inconvenient. The app also doesn’t have an option to track loans—such as when someone borrows money from me—which would be a great feature to add. Additionally, regular updates to fix bugs are needed, and I’m also missing the option for scheduled payment details. Overall, despite these small issues, this is still one of the best apps I’ve used, and I definitely recommend it. ### 5/5 — Motivational *2025-11-06* Finally feeling in control of my debt! DebtZero has completely changed how I manage my money. Watching my balances go down with each update is incredibly rewarding. It’s simple, reliable, and actually fun to use! ### 5/5 — Finally, a clean and easy way to track my debts! *2025-10-26* I’ve tried a few apps before, but DebtZero is by far the simplest and most organized. I love that it works offline and helps me stay focused on my debt goals. The progress tracking is super motivating! ## Frequently asked questions about ClearDebt ### How does ClearDebt help users manage their debt? ClearDebt provides tools to track unlimited debts, offers smart payment reminders to avoid missed payments, and includes a payoff simulator to explore different strategies. Users can visualize their progress with charts and celebrate milestones. ### What are the premium features in ClearDebt? Premium features include unlimited debt tracking, a complete budget management system for income and expenses, advanced analytics for deeper financial insights, and data export capabilities. The premium version also offers an ad-free experience. ### Is ClearDebt secure for my financial data? Yes, ClearDebt prioritizes security by storing all data locally on your device, meaning your information is not sent to external servers. Optional iCloud backup is available for secure syncing across devices, and no account creation is required for complete privacy. ### Does ClearDebt have ads? The free version of ClearDebt contains advertisements. Users can opt for the premium version to enjoy an ad-free experience. ### What devices is ClearDebt available on? ClearDebt is available on iPhone and iPad devices, as indicated by its supported devices list. ### How often is ClearDebt updated? The latest version of ClearDebt is 1.4.0, and it was last updated on May 14, 2026. This suggests a relatively active development cycle. ### What is the user sentiment for ClearDebt? Based on the available data, ClearDebt has a rating of 3.5 stars from 2 ratings. This indicates a mixed to positive user reception. ### Can I track different types of debt with ClearDebt? Yes, ClearDebt supports tracking unlimited debts across all categories, including credit cards, student loans, mortgages, and personal loans, with full payment history. ## Version history (last 5 releases) ### 1.7.0 — 2026-08-11 • Now available in French, Spanish, German, Chinese, and Hindi • 100% ad-free -> all advertising and tracking removed; your data stays on your device • Lock the app with Face ID / Touch ID • New Home Screen widget: total debt, next payment, and projected debt-free date • More reliable payment reminders that repeat every cycle • Faster, smoother navigation • Fixed a rare launch crash for accounts without iCloud signed in • More accurate payoff estimates for high-interest and non-monthly-frequency debts Enjoying ClearDebt? A quick rating really helps. Thank you! ### 1.6.0 — 2026-06-17 ClearDebt is now 100% ad-free - and more private than ever. • No ads, no tracking. We've completely removed all advertising and third-party tracking SDKs. ClearDebt no longer touches your advertising ID or location, and your financial data stays on your device. • Lock with Face ID. Keep your debts private - turn on "Require Face ID" in Settings to lock the app whenever it's closed or sent to the background. Touch ID and your device passcode work too. • New Home Screen widget. See your total debt, your next payment due, and your projected debt-free date at a glance. Add it in small or medium size. • More reliable reminders. Payment reminders now repeat every cycle, so you never miss a due date - even when you log a payment straight from a notification. • Faster and smoother. Navigation across the app is now instant. Enjoying ClearDebt? A quick rating really helps us keep improving. Thank you! ### 1.5.0 — 2026-05-27 • Added full Charge Tracking - log new charges in addition to payments. • New Add Charge action available from Quick Actions and the Add screen. • Enhanced Transaction History with better handling for payments, charges, fees, and adjustments. • Refreshed Dashboard UI with cleaner cards and improved action visibility. • Improved Debt Strategy and Monthly Budget cards for quicker insights. • Added clearer Payment Schedule details, including frequency, next payment date, amount, and reminder status. • Fixed navigation and action sheet issues in debt details. • Improved reliability for reminders, premium access, and core app flows. • General bug fixes and performance improvements. ### 1.4.0 — 2026-05-14 iCloud Sync - Now Live! Your debts, payments, and budget data now sync automatically across all your Apple devices signed in to the same Apple ID. Add a payment on your iPhone and it appears instantly on your iPad. No setup needed - it just works. You'll also see a new iCloud status indicator in Settings showing whether your data is up to date, syncing, or if there's an issue to fix. Bug Fixes • Fixed a crash that could occur when opening Edit Debt or Add Payment on certain devices • Fixed next payment due dates showing incorrect past dates for older debts • Fixed payment history delete not responding on the first tap in some situations • General stability improvements throughout the app ### 1.3.0 — 2026-05-02 ClearDebt v1.3 — New Name, Better Everything. • Renamed to ClearDebt for a cleaner, clearer identity • Fixed payment due date calculations — dates now always show the correct upcoming date • Payoff charts now support 30-year mortgages (previously capped at 5 years) • Fixed interest and total cost calculations on the debt detail screen • Various performance and stability improvements ## Apps similar to ClearDebt | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Payoff Planner: Tracker](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524) | — | Free | Finance | | [Balanz AI — Money Tracker](https://appshunter.io/ios/app/balanz-ai-money-tracker/id6753617125) | 5.0 (1) | Free | Finance | | [MySight - Financial Insight](https://appshunter.io/ios/app/mysight-financial-insight/id6747041274) | — | Free | Finance | | [NoMo - Debt Payoff Calculator](https://appshunter.io/ios/app/nomo-debt-payoff-calculator/id6751278279) | — | Free | Finance | | [PaidOff: Debt Tracker](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566) | 5.0 (7) | Free | Finance | | [ihave - Budget Manager](https://appshunter.io/ios/app/ihave-budget-manager/id6479804385) | — | Free | Finance | ## More apps by Joshy Joseph - [Malayalam Dictionary](https://appshunter.io/ios/app/malayalam-dictionary/id548586418) - [Tamil Dictionary App](https://appshunter.io/ios/app/tamil-dictionary-app/id568738382) - [Hindi Dictionary App](https://appshunter.io/ios/app/hindi-dictionary-app/id585154426) - [Malayalam Radio](https://appshunter.io/ios/app/malayalam-radio/id632072138) - [Malayalam Notes](https://appshunter.io/ios/app/malayalam-notes/id686418640) - [MalayalamTube - Malayalam Movies,Malayalam videos](https://appshunter.io/ios/app/malayalamtube-malayalam-moviesmalayalam-videos/id756025886) All apps by Joshy Joseph: https://appshunter.io/developer/548586421 ## Related topics [debt free planner](https://appshunter.io/ios/topics/debt-free-planner) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*