# Debt Descent: Payoff Planner — Snowball & avalanche payoff

> Snowball & avalanche payoff (iPhone/iPad app by Sean Mandable.)

- Source: https://appshunter.io/ios/app/debt-descent-payoff-planner/id6785269702 (this page in markdown: same URL + `.md`)
- Developer: [Sean Mandable](https://appshunter.io/developer/1885933485)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 13 MB
- Languages: American English
- Released: 2026-07-02
- Data updated: 2026-08-08
- User reviews in markdown: https://appshunter.io/ios/app/debt-descent-payoff-planner/id6785269702/reviews.md

## What is Debt Descent?

Debt Descent turns your real balances and APRs into a clear, side-by-side payoff plan — and shows you exactly when you'll be debt-free.

Add your debts, set the extra you can put toward them each month, and Debt Descent runs the two proven payoff strategies at once:

• Snowball — clear the smallest balance first for fast, motivating wins
• Avalanche — target the highest APR first to pay the least interest
• Custom — set your own order and see what it costs or saves

You get the numbers that matter, not vague advice:
• Your debt-free date and payoff time for each method
• Total interest and total paid, side by side
• The interest you'd save by choosing one method over the other
• A "descent to zero" chart that plots every balance falling to zero
• A monthly budget breakdown — minimums vs. your extra, interest vs. principal

Built for real life:
• Snowflakes — drop in a future bonus or tax refund and watch your payoff move up
• Refinance & consolidation — model a balance transfer, loan, or per-account new rates, then apply the deal in one step
• Payment groups — one monthly payment covering several debts? Log it once and it splits to the cent
• Promo & deferred-interest tracking — never get surprised by a 0% intro APR reverting
• Per-debt amortization schedules and "pay this down now" what-ifs
• Log payments and track your real progress against the plan — see if you're ahead or behind
• Due-date reminders and calendar (.ics) export

Add a card in seconds:
• Import a statement PDF and Debt Descent reads the balance, APR, minimum, and due date for you — entirely on your device
• Or import and export your whole plan as JSON

Sync and privacy, both:
• iCloud sync keeps your debts, payments, and plan up to date across your iPhone, iPad, and Mac — automatic and free
• No account, no sign-up, no servers of ours — your data lives on your device and in your own private iCloud, where we can't see it
• Statement reading happens on-device with PDFKit, Vision, and Apple Intelligence — nothing is uploaded

One app, every screen: Debt Descent is a native, universal app for iPhone and iPad.

Debt Descent is free to use — add your debts, run the Snowball and Avalanche methods, see your debt-free date, track payments and progress, and import a statement on-device. A one-time Pro upgrade ($9.99, unlocks on all your devices) adds five more payoff methods, the what-if slider and per-debt payoff tests, snowflakes, refinance modeling, amortization schedules, PDF/calendar export, and due-date reminders.


## Version history (last 5 releases)

### 1.8 — 2026-08-05

Photograph a paper statement, and the app finally notices when you've paid:

• Scan a statement with your camera — point it at a paper statement and Debt Descent reads the balance, APR, minimum payment and due date off it, then shows you every figure to confirm before anything is saved (iPhone and iPad)
• Everything stays on your device: the page is read by Apple's on-device text recognition and Apple Intelligence, and nothing is uploaded
• Statement import now finds the rate — on a multi-page statement the APR often sits on the last page, behind pages of transactions, and it was being missed
• On a Mac, Import statement now takes a photo as well as a PDF
• Your debts stop asking to be paid twice — a debt you've paid this month says so, and drops out of Upcoming until next month
• Log a payment straight from the Upcoming list, including a grouped payment
• Payment plans can record the fee the plan keeps — enter the amount that reaches your creditors and the fee separately, and the app shows the total your bank will actually draft, without pretending the fee pays down debt
• A debt paid through a plan now shows the plan's payment date, not the date its own statement asks for
• History adds up: total, minimum payments, and tagged extra, so the three reconcile on screen
• Deadline warnings for 0% store promos appear when they matter — a deadline a year out that your plan already clears no longer sits at the top of the app, and comes back on its own if your plan stops clearing it in time
• Deferred-interest promos read correctly on the debt list, instead of quoting a couple of dollars of interest beside a warning about hundreds
• Load sample data is offered only on an empty app, so it can't replace real debts by accident

### 1.7 — 2026-08-01

One payment covering several debts, and a refinance you can act on:

• Payment groups — when one monthly payment covers several of your debts, group them and log it once; Debt Descent splits the payment across the group to the cent
• The split follows the schedule you're on — when every debt in the group has its own fixed payment, the shares match those payments instead of the balances
• Upcoming shows the group as one row, with one reminder and one calendar event instead of four — and History keeps it as the single payment it was, expandable to each debt's share
• Grouping changes only how you record and see that payment — each debt keeps its own balance, rate, and place in your payoff order
• Apply a refinance you've modeled — the new account is created, the balances it absorbs are closed out with their history kept, and their old payments stop rolling forward
• "New rates" — a third kind of refinance for a hardship or debt-management plan: your accounts survive, each at its own new rate
• For an account in a 0% promo, choose whether the new rate starts now or after the promo runs out
• The monthly budget breakdown now shows cents, so its rows add up to the printed total exactly
• The Payments tab opens on Upcoming, with Balances and History tucked behind their headings — and it remembers however you leave it
• A loan's payoff quote is editable at last, shown beside its balance with the gap between them
• Two 0% promos on one card no longer share one warning — each gets its own deadline and required-monthly figure
• Dates hold up wherever you are — promo deadlines and day counts no longer land a day off in time zones whose clocks change at midnight

Plus sharper statement reading and small fixes.

### 1.6 — 2026-07-28

An accuracy fix worth updating for:

• Your payoff plan no longer depends on the order your debts are listed in — reordering the list leaves your debt-free date and interest total exactly as they were
• The plan now always covers your minimum payments in full, and tells you plainly when interest has pushed them above the budget you set — with the difference shown on its own line
• The savings tile and the recommendation under it now measure against the same method, so the two figures always agree at a glance
• Reopening or editing a cleared debt no longer quietly stops its freed minimum rolling onto your next target
• A debt with no monthly payment can't be saved by mistake, so nothing sits in your plan never being paid down

Plus small fixes.

### 1.5 — 2026-07-28

A tidier Payments tab, and matching numbers throughout:

• Payments folds away — Upcoming, Balances, and History each tuck behind their heading, so you see only the section you want
• The Plan and Progress screens now match exactly — the same typeface, spacing, and sizing, so your figures line up wherever they appear
• Numbers read cleaner everywhere, with aligned digits that no longer clip or shift as they change

Plus small fixes.

### 1.4 — 2026-07-23

A round of visual polish:

• The Plan screen reads cleanly on iPhone — the monthly-payment tile, the payoff-date line, and the savings figures no longer clip or render at mismatched sizes on smaller screens
• The ••• data menu is tidier, with even spacing and more room around its edges

Plus small fixes.

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## More apps by Sean Mandable

- [Brown Sign](https://appshunter.io/ios/app/brown-sign/id6762070205)

All apps by Sean Mandable: https://appshunter.io/developer/1885933485

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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 2026-08-08.*