# Cleared: Debt Payoff Planner — Snowball & avalanche tracker

> Snowball & avalanche tracker (iPhone/iPad app by Ryan Smith.)

- Source: https://appshunter.io/ios/app/cleared-debt-payoff-planner/id6823268530 (this page in markdown: same URL + `.md`)
- Developer: [Ryan Smith](https://appshunter.io/developer/6822464099)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 3 MB
- Languages: American English
- Released: 2026-10-19
- Data updated: 2026-10-23

## What is Cleared?

See the month you'll be debt-free.

Cleared turns your debts into a plan. Enter each balance, interest rate and minimum payment, plus what you can put toward debt each month. Cleared works out the month every balance reaches zero, which debt to pay next, and what to pay each debt this month. Every payment you log moves the date.

YOUR DEBT-FREE DATE
• The month every balance reaches zero, worked out month by month with interest
• How far you've come: percent paid off, still owed and paid so far
• This month's payment to each debt, with the next one due first

SNOWBALL, AVALANCHE OR YOUR OWN ORDER
• Snowball: smallest balance first, for quick wins
• Avalanche: highest interest rate first, to pay the least interest
• My order: put your debts in any order you like
• Each debt's payoff month, and a chart of every balance over time

WHAT IF YOU PAID MORE?
• Slide to add extra each month and see your new date and the interest you'd save
• Compare your plan with paying only the minimums
• Make the faster plan yours in one tap

COLOR IT IN
• A chart of squares, each one a slice of debt paid off
• Color in the squares you've earned with your finger, or let Cleared fill them as you log payments
• Dated milestones: each debt paid off, halfway there, debt-free

LOG A PAYMENT IN SECONDS
• A big number pad that starts at this month's planned amount
• A celebration when a debt hits zero
• Your payment history; deleting a payment puts it back on the balance

ON YOUR HOME SCREEN AND LOCK SCREEN
• Widgets for your debt-free date and your next payment
• Ready for StandBy
• Siri: "When am I debt-free in Cleared" and "Log a payment in Cleared"

REMINDERS THAT HELP
• The day before each planned payment is due
• On the 1st of the month: this month's plan and your focus debt

PRIVATE BY DESIGN
• No bank login, no account, no ads, no tracking
• Your plan stays on your phone, with an optional copy in your own iCloud
• Optional Face ID lock
• Backup files and a CSV export of your payments, any time

FOLDED OR OPEN
Runs on iPhone Duo: the cover screen shows your debt-free date and next payment. Cleared works on every other iPhone too.

PAY ONCE. NO SUBSCRIPTION.
Try every feature free for 14 days, with no card on file. After that, a one-time $19.99 unlock keeps Cleared planning for good, and Family Sharing covers your household. If you don't unlock, your plan stays viewable and exportable.

Cleared is a planning tool. Estimates use the balances, rates and payments you enter; your lenders' numbers may differ. Not financial advice.
Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Cleared Lifetime | $19.99 | one-time |
| 14-day Trial | Free | one-time |


## Is Cleared safe?

Not enough ratings yet to assess Cleared.

## Is Cleared legit?

Cleared: Debt Payoff Planner has limited verification signals. The AppsHunter Legitimacy Score for Cleared is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.0.1 — 2026-10-20

Fixes a rare freeze when This month opens at launch, such as from your monthly plan reminder.

### 1.0 — 2026-10-19

No release notes.

## More apps by Ryan Smith

- [Covered: Budget by Paycheck](https://appshunter.io/ios/app/covered-budget-by-paycheck/id6822464097)
- [Counts: Dance Practice Mirror](https://appshunter.io/ios/app/counts-dance-practice-mirror/id6823274336)
- [Hauled: Trucking Books & IFTA](https://appshunter.io/ios/app/hauled-trucking-books-and-ifta/id6824252411)

All apps by Ryan Smith: https://appshunter.io/developer/6822464099

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*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 2026-10-23.*