# Debt Free Date: Snowball — Credit card payoff planner

> Debt payoff planner with Snowball and Avalanche strategy comparison. (iPhone/iPad app by Onyx One LLC.)

- Source: https://appshunter.io/ios/app/debt-free-date-snowball/id6798039442 (this page in markdown: same URL + `.md`)
- Developer: [Onyx One LLC](https://appshunter.io/developer/6789033247)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.50/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 16.4 · 37 MB
- Languages: American English
- Released: 2026-08-24
- Data updated: 2026-10-24
- Monetization: free with in-app purchases

## What is Debt Free Date?

Debt Free Date turns your debts into a plan with a date on it.

Enter what you owe, and see exactly when you'll be free — then watch that date move closer every time you put a little extra toward it.

LOG WHAT YOU ACTUALLY PAY
This isn't just a calculator. Log each payment as you make it and watch the balance drop for real. Every payment is split into interest and principal, so you can see exactly how much of it went to the lender and how much went to getting free. Your history builds month by month, with a streak that rewards showing up.

COMPARE THE TWO STRATEGIES THAT WORK
Snowball pays your smallest balance first, so you clear whole debts early and build momentum. Avalanche targets your highest interest rate first, so you pay less overall. See both side by side, with real numbers from your own debts, and choose the one you'll actually stick with.

BUILT ON A REAL PAYOFF ENGINE
Every dollar is accounted for. When a debt is cleared mid-month, the leftover payment rolls straight to the next one, exactly as it would in real life — so the date you see is the date you get.

YOUR DATA NEVER LEAVES YOUR PHONE
No account. No sign-up. No servers. Nothing to connect to your bank. Everything you enter stays on your device, and there's nothing for anyone to breach.

ONE PAYMENT, NOT A SUBSCRIPTION
The free version tracks up to 2 debts with the Snowball strategy. Unlock Pro once for unlimited debts, the Avalanche comparison, monthly payment reminders, and a shareable debt-free countdown card. No recurring charge, ever.

Debt Free Date is a calculator, not financial advice. Projections assume the payments you enter and don't account for fees, rate changes, or promotional periods ending.

## Key features

- Debt payoff planning with target dates
- Log actual payments made
- Split payments into interest and principal
- Compare Snowball and Avalanche strategies
- Real-time balance tracking
- Data stays on your device

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Debt Free Date Pro | $4.99 | one-time |


## Is Debt Free Date safe?

Not enough ratings yet to assess Debt Free Date.

## Is Debt Free Date legit?

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


## Frequently asked questions about Debt Free Date

### How does Debt Free Date help me get out of debt?

Debt Free Date allows you to input your debts and see a projected date for becoming debt-free. By logging your actual payments, you can track your progress and visualize how each payment reduces your balances.

### What is the difference between Snowball and Avalanche in Debt Free Date?

Debt Free Date lets you compare the Snowball method, which prioritizes paying off smallest debts first for momentum, and the Avalanche method, which targets highest interest rates to save money overall. You can see both strategies applied to your own debts.

### Is Debt Free Date free to use?

Yes, Debt Free Date offers a free version that allows tracking up to two debts using the Snowball strategy. Additional features like unlimited debts and the Avalanche comparison are available through a one-time Pro unlock.

### Does Debt Free Date require an account or bank connection?

No, Debt Free Date prioritizes your privacy. It does not require an account, sign-up, or any connection to your bank. All your financial data is stored locally on your device.

### How often is Debt Free Date updated?

The app was last updated on August 28, 2026, with version 1.0.1. This indicates active development and support for the application.

### What devices is Debt Free Date available on?

Currently, Debt Free Date is supported on iPhone devices. Future platform expansions may be considered based on user demand.

### What is the age rating for Debt Free Date?

Debt Free Date has an age rating of 4+, making it suitable for a wide range of users interested in personal finance management.

### Does Debt Free Date have ads?

No, Debt Free Date does not contain advertisements. The app is ad-free, ensuring an uninterrupted user experience.

## Version history (last 5 releases)

### 1.0.4 — 2026-10-20

Fixes the Dashboard still counting the minimum payment on debts you had already paid off, which made "Min. payments/mo" higher than you actually owe.

### 1.0.3 — 2026-09-10

Our privacy policy, terms and support pages now live at onyxoneapps.com, and the links inside the app point there. Nothing else about the app has changed.

### 1.0.2 — 2026-09-04

A short intro the first time you open the app
The Dashboard leads with your debt-free date and shows how much you have paid off
Progress compares this month's plan with what you have actually logged
Pick your reminder day from a calendar
Logging a payment suggests your minimum plus any extra payment
Also fixes the tab icons, the back button in forms, the keyboard covering fields you are typing in, and links that used to leave the app.

### 1.0.1 — 2026-08-28

Fixes and refinements throughout:

• Undoing a payment now updates your balance correctly, including when
  you undo an older payment rather than the most recent one
• Amounts typed with commas are read correctly everywhere in the app
• New: Reset all data, in Settings
• Clearer decimal entry when adding a debt, plus a Done button on the form
• If notifications are off, the reminder switch now takes you straight to
  Settings instead of just telling you where to look
• Paying off your final debt is now recognised properly
• Fixed a rare case where the app could fail to open after an interrupted save

### 1.0 — 2026-08-24

No release notes.

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## More apps by Onyx One LLC

- [Daybreak: Sobriety Companion](https://appshunter.io/ios/app/daybreak-sobriety-companion/id6789033245)

All apps by Onyx One LLC: https://appshunter.io/developer/6789033247

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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 2026-10-24.*