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Debt Descent: Payoff Planner

Debt Descent: Payoff Planner

Snowball & Avalanche Tracker

10 ratings
4 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
July 2, 2026
Updated
October 28, 2026

Features

Developer

Sean Mandable
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Debt Descent: Payoff Planner screenshot #1 for iPhone
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iphone
iphoneDuo
ipad
🧾$14.99
In-App Purchase↘︎
⭐4
Reviews↘︎
🔄6+ apps
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❓8 answered
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📦~ in 2 days
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About

This app helps you visualize and track your debt payoff journey. It compares popular methods like Snowball and Avalanche, providing detailed projections for when you'll be debt-free and how much interest you'll save. It also offers features to model windfalls, refinancing, and track your actual progress against your plan.

✓Compare Snowball and Avalanche payoff methods
✓Project debt-free date and total interest saved
✓Model windfalls and refinancing scenarios
✓Track actual payment progress against plan
✓Scan statements or import PDFs for debt entry
✓Monthly budget breakdown and what's left over
✓iCloud sync across iPhone, iPad, and Mac
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What's New in Debt Descent

1.21.5

October 28, 2026

New in 1.21.5 • When you tap a balance or amount just above the keyboard, the screen now scrolls it a little higher, so you can press and hold to move the cursor within the number instead of retyping it. New in 1.21.4 • From the payday that covers next month's due date, a debt's row on the Plan tab asks for next month's payment. A payment logged with a later date no longer leaves Skip or Defer open for its month or counts twice in your payoff dates, and a debt's last payment no longer moves its minimum onto another debt early. Thank you for using Debt Descent! If something isn't working the way you'd expect, or there's a feature you'd like me to add, please don't hesitate to let me know at support@seanmandable.me.

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Subscriptions & In-App Purchases

$14.99

Debt Descent Pro

Unlock every payoff tool — once, on all your devices.

User reviews

Most RecentHighest RatedLowest Rated

Finally, a debt plan I can actually understand

I had been avoiding really looking at all of my debt because it felt overwhelming. I was making my payments, but I didn’t have everything organized in one place or a clear picture of how I was going to get out of it. After putting everything into Debt Descent, I could finally see exactly what I owe and, more importantly, see that there is a way to pay it off. It gave me a sense of relief and made the whole thing feel much more manageable. If you’re overwhelmed by your debt and just want to see everything in one place and have a plan, I definitely recommend this app.
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Mmistercrook

Just what I was looking for!

I unlocked the Pro subscription since this is the only debt planner that had most, if not all, of the features I was seeking in coming up with a plan to pay off debt. I am a visual person and I’m motivated by interactive interfaces. Adding an account was straightforward and logging a payment is easy to do. What I would love for the developer to consider is having a deferment option for student loans when adding those accounts. That way I don’t have to add $1 just to hold the place when I want to list/track the loan amount. Other than that, I have no complaints. Great work!
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Fflyyychick

Response from developer

Thank you for your review! The student loan deferment is a great idea. I've added that... and the new version will be live as soon as App Review releases it. When the app updates, just edit the student loan and turn on "In deferment — nothing due yet," set the date the deferment ends, and clear that $1 placeholder. Until that date the loan sits in your list with nothing due; when the date arrives it joins the plan on its own, and its payment comes out of your extra first so your monthly total doesn't change. There's a second switch for subsidized loans that don't accrue interest while deferred. Thanks for unlocking Pro and for taking the time to write! If anything else would make the app better, please don't hesitate to let me know: support@seanmandable.me.

10/10 Would Recommend

Super easy to use, helpful, and a great way to track my debt. It’s also pretty educational as well. The clean design makes me WANT to use it.
NNebulaNomad6

Very useful and user friendly

I suggest getting the paid version as it has more options. I know it might seem counterintuitive if you’re in debt lol, but it’s worth it.

Debt Descent is the first debt app I've kept on my phone… I entered my balances, set what I could pay each month, and it showed me exactly when I'd be done. Thank goodness because being in debt sucks! But with this app, it makes it seem manageable & like their is an end in site.

Highly recommend!
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OOMGbroALLTheNamesAreTaken88

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FAQ

How does Debt Descent help me get out of debt?

Debt Descent compares the Snowball and Avalanche payoff methods side-by-side, showing you your projected debt-free date and total interest saved for each. You can also track your actual payments against the plan to stay on course.

What are the main payoff methods Debt Descent supports?

The app prominently features and compares the Snowball method (paying off smallest balances first) and the Avalanche method (paying off highest APR first). The Pro upgrade unlocks five additional payoff methods, including custom order.

Can I model future financial events in Debt Descent?

Yes, Debt Descent allows you to model windfalls like bonuses or tax refunds, and also to simulate refinancing or loan consolidation scenarios to see how they impact your payoff timeline.

How does Debt Descent handle my financial data?

Your data lives on your device and in your private iCloud, with no account sign-up or servers on the developer's end. Statement reading is done on-device using Apple technologies, ensuring your information is not uploaded.

What devices is Debt Descent available on?

Debt Descent is a native app for iPhone, iPad, and Mac. A single purchase unlocks the app on all supported Apple devices.

Is Debt Descent free to use?

Yes, Debt Descent is free to use for core features like adding debts, running Snowball and Avalanche, seeing your debt-free date, and tracking payments. A one-time Pro upgrade is available for advanced features.

How often is Debt Descent updated?

The app was last updated on September 7, 2026, with version 1.15. This indicates a recent update, suggesting ongoing development and support.

Does Debt Descent have ads?

No, Debt Descent does not contain advertisements. The app is free to use with optional in-app purchases for advanced features.