# Debt Magic: Payoff Planner — Snowball Loan Calculator > Free debt payoff calculator for loans, credit cards, and mortgages. (iPhone/iPad app by Changed Inc..) - Source: https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437 (this page in markdown: same URL + `.md`) - Developer: [Changed Inc.](https://appshunter.io/developer/1164559382) - Category: Finance, Productivity - Price: Free - Rating: 4.90/5 from 16 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 33 MB - Languages: American English - Released: 2025-07-01 - Data updated: 2026-07-18 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews.md ## What is Debt Magic? Debt Magic is a free debt-payoff calculator that makes your plan crystal clear. Add your credit cards, loans, or mortgage and instantly see payoff dates, total interest, and how much faster you can be debt-free. What you can do: - Compare methods: Snowball (smallest balance first) vs. Avalanche (highest APR first). - See the impact of extra payments: add $10–$100+ and watch the payoff date move. - Amortization made simple: track principal vs. interest over time with clean charts and tables. - All debts, one place: credit cards, student loans, auto, mortgage, personal loans. - Visualize your plan for your debt payoff: use the loan calculator and debt payoff calculator to map your path. - Earn rewards and cash with our bonus rewards dashboard. Debt Magic is free to use so you can focus on what matters, paying off debt faster. ## Key features - Debt payoff calculator - Compare Snowball vs. Avalanche methods - Visualize extra payment impact - Track principal vs. interest - Consolidate all debt types ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews.md ### 5/5 — Debt Houdini *2025-08-18* Listen, I downloaded this app thinking it was just another boring money thing. NOPE. It’s basically Hogwarts for my debt. One minute I was staring at my student loans like Voldemort, the next—POOF!—the app had me saving money like a financially responsible wizard. I swear I heard a choir of bald eagles singing the national anthem the first time it paid down a loan. My credit score went from ‘eh, we’ll see’ to ‘can I offer you a mortgage?’ in record time. At one point, I was so hyped I tried waving my phone around yelling ‘Expelliarmus, Sallie Mae!’ My wife said I looked insane, but then she checked the app and said, ‘Wait…this actually works?’ She now calls it the most romantic thing I’ve ever done. If you want your debt to disappear faster than pizza at a Super Bowl party, download this app immediately. It’s sorcery with spreadsheets, and I am HERE FOR IT. ### 5/5 — Awesome *2025-07-09* Great APP ## Frequently asked questions about Debt Magic ### What debt types can I track with Debt Magic? Debt Magic allows you to track all your debts in one place, including credit cards, student loans, auto loans, mortgages, and personal loans. ### Does Debt Magic offer different payoff strategies? Yes, Debt Magic lets you compare the Snowball method (paying off smallest balances first) against the Avalanche method (paying off highest APR first) to see which is best for your situation. ### Can I see how extra payments affect my debt payoff timeline? Absolutely. Debt Magic allows you to input extra payments, from $10 to $100+, and instantly visualize how much faster you can become debt-free and the total interest saved. ### How does Debt Magic simplify amortization? Debt Magic provides clean charts and tables to help you track the breakdown of principal versus interest over time, making amortization easy to understand. ### Is Debt Magic available on multiple devices? Currently, Debt Magic is supported on iPhone devices. Information on Android or web availability is not provided in the current data. ### How often is Debt Magic updated? The latest version, 2.09, was last updated on November 10, 2025. This indicates a recent update, suggesting ongoing development and maintenance. ### What is the age rating for Debt Magic? Debt Magic has an age rating of 4+, making it suitable for a wide range of users interested in personal finance management. ### Does Debt Magic have ads? No, Debt Magic is free to use and does not contain advertisements. The app is designed to let users focus on their debt payoff without interruptions. ## Version history (last 5 releases) ### 2.13 — 2026-07-18 - Added more fun ways for Debt Magic Members to earn rewards in the bonus rewards section! - You can now track your monthly due dates for each debt, includes monthly reminders! - We've found some bugs and asked them kindly to leave. ### 2.12 — 2026-07-14 - Added more fun ways for Debt Magic Members to earn rewards in the bonus rewards section! - You can now track your monthly due dates for each debt, includes monthly reminders! ### 2.11 — 2026-07-09 Added more fun ways for Debt Magic Members to earn rewards in the bonus rewards section! ### 2.10 — 2026-04-29 We've made some tweaks to areas in the app to ensure app stability for our members! ### 2.09 — 2025-11-10 Add friends to earn coins! ## Apps similar to Debt Magic | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (6,741) | Free | Finance | | [Mortgage Calc & Amortization](https://appshunter.io/ios/app/mortgage-calc-and-amortization/id6553968721) | 5.0 (3) | Free | Finance | | [Auto Loan Calculator +](https://appshunter.io/ios/app/auto-loan-calculator-plus/id991003466) | 4.7 (157) | $2.99 | Finance | | [Loantune Loan Calculator](https://appshunter.io/ios/app/loantune-loan-calculator/id763203761) | 4.1 (7) | Free | Finance | | [Debt To Income Calculator](https://appshunter.io/ios/app/debt-to-income-calculator/id1440421121) | 3.3 (4) | $2.99 | Finance | | [Debt 2 Income Calculator](https://appshunter.io/ios/app/debt-2-income-calculator/id1634741065) | 4.2 (6) | $2.99 | Finance | ## More apps by Changed Inc. - [Changed: Debt Payoff Planner](https://appshunter.io/ios/app/changed-debt-payoff-planner/id1164559383) All apps by Changed Inc.: https://appshunter.io/developer/1164559382 ## Related topics [debt snowball calculator](https://appshunter.io/ios/topics/debt-snowball-calculator) · [debt payoff planner free](https://appshunter.io/ios/topics/debt-payoff-planner-free) · [debt snowball](https://appshunter.io/ios/topics/debt-snowball) --- *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 2026-07-18.*