# Debt Payoff Box: Snowball Plan — Loan Tracker and Planner

> Debt payoff planner and tracker using snowball or avalanche methods. (iPhone/iPad app by Natalia Alekseenko.)

- Source: https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873 (this page in markdown: same URL + `.md`)
- Developer: [Natalia Alekseenko](https://appshunter.io/developer/1687799743)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.50/5 from 2,418 App Store ratings · 147 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 38 MB
- Languages: American English
- Released: 2017-07-17
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873/reviews.md

## What is Debt Payoff Box?

Getting out of debts is the first step on the journey towards financial freedom, and Debt Payoff Box (formerly Debt Free Box) is your companion on that journey.

Debt Payoff Box is the easiest to use Debt Payoff management app – no need to track every transaction or detail – just set up your payoff plan once and app will help you follow it through until you are fully Debt Free.

Do you have a mortgage, car loan, student loan or any other debt that you’ve struggled with for years or months trying to clear it? You are not alone. The Debt Payoff Box will ease your mind by helping you plan to pay off your debts on time.

You no longer need to be overwhelmed by debts when there’s an app that will organize all debts in one place and help you clear them fast.

This app is FREE, so you can as well hit the install button now!

Why You Will Love Debt Payoff Box:

Snowball method and extra payment strategy:
-      Define in which order you want to pay off your debts - smallest first? or highest interest first? 
-      Use released monthly funds to pay off subsequent debts faster (like a snowball)
-      Add extra payment every month and see how much you will save interest and time

 “Fast forward”:
-	No need to manually enter your transactions! Just tell app to fast forward for you
-	Fast forward allows app to update your debt to current status as if you were following initial plan
-	You can manually update your debts or change your payoff plan any time 

Simple and clean user interface with no ads 
– This helps you to see results clearly and quickly.

New/Edit debt option – Allows you to edit:
-	Name
-	Category of the debt (auto, bank, credit card, student loan, medical, mortgage, computer, bill consolidation and others)
-	Remaining balance
-	Loan amount
-	Interest rate 
-	Next due date
-	Minimum monthly payment

Shows payment schedule details:
-	Balance
-	Pay off debt
-	Interest
-	Payment amount made
-	Principal
-	Remaining balance

Fastest payoff - The app calculates the cheapest and fastest method of paying off your entire debt.

It gives you total control – You can go through your debts and decide which debts you should pay off first and the extra amount to pay. The app helps you to remain focused on your plan.

Supports all types of debt - The Debt Payoff Box supports different types of debts including credit card, cash loan, student loan, car loan, mortgage and more.

What-if analysis – You can try out different ‘What-if’ scenarios such as a change in the interest rate or extra monthly payments. 

Extra payment option – Helps to calculate interest and time savings.

Super compatible – It’s optimized to work on all your preferred mobile devices.

Regular updates – No more bugs or annoying crashes. The app has periodic updates to ensure it works flawlessly. The updates may also come with some new, awesome, bonus features.

Feel free to drop us a line! We’re always listening to your suggestions to improve Debt Payoff Box. If you have any issues with the app, just contact us and we will help you!

** Are you loving our app? We’d love to hear about it! Please take a moment to leave us a nice review. It really helps! **

While you’re in the sharing mood, go ahead and throw us a like on Facebook too, THANKS.  

We appreciate your support greatly! You inspire us to make more great apps like Debt Payoff Box. Start leaving debts behind by installing the Debt Payoff Box on your mobile device!

## Key features

- Debt payoff planning
- Snowball and avalanche methods
- Extra payment strategy
- Fast forward to update status
- Detailed payment schedule
- What-if analysis

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Get PRO version | $9.99 | one-time |


## What do users think of Debt Payoff Box?

Overall sentiment: negative

**Pros**

- 👍 Simple and easy to use
- 🚀 Helpful for debt planning
- 🚀 Straightforward layout
- 🚀 Provides amortization schedules
- 🚀 Calculates snowball effect

**Cons**

- 🐛 Buggy and glitchy
- 💰 Requires paid upgrade for basic features
- 🔒 No cloud sync or backup
- 🔒 No passcode or security features
- 💡 Lacks flexibility for extra payments

**Commonly reported bugs**

- Unable to edit debt details
- Payoff dates and calculations are inaccurate
- App crashes when trying to add or update debts
- Free version limited to only 2 debts

**Most requested features**

- Add ability to record one-off extra payments
- Implement sorting by interest rate or balance
- Include escrow and mortgage details
- Provide payment history and tracking
- Add notifications and reminders

## Recent user reviews (10 of 147)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873/reviews.md

### 3/5 — FIX BUGS

*2026-07-29, version 1.5*

Great app there’s just a few things that need to be fixed like payoff dates are not accurate to what’s initially put in on the listing.

### 1/5 — Be aware

*2026-05-13, version 1.5*

Only lets you add two debt for free before you need to pay for a subscription

### 1/5 — Not updating payoff dates

*2026-04-16, version 1.5*

It gives me the current day as payoff date, not the expected payoff date in the future.

### 3/5 — No password protection and no backup option

*2026-03-26, version 1.4.1*

App is very easy to use. Wish there is a way to protect your data and backup your data.  Wish I know before purchasing the app.

### 3/5 — Was good but got greedy

*2026-03-25, version 1.4.1*

Used to be a great app, now asks you for £10 to add more than 2 debts.. very interesting for a debt helping app

### 2/5 — Limited uploads

*2026-03-23, version 1.4.1*

It won’t let me upload more than 20 accounts.

### 1/5 — Not a helpful app

*2026-03-13, version 1.4.1*

I signed up for the $10 paid account thinking it would give me the option to actually track payments made and progress on debt. There is no option to track additional payments. Honestly seems like a pretty useless app. Huge waste of money

### 1/5 — Not intuitive

*2026-02-26, version 1.4.1*

I have a student loan that’s currently in forbearance, but this app does not consider these factors. My current monthly payments are zero until the forbearance is lifted. It does not allow me to set a zero dollar monthly payment and it does not let you customize the payment schedule and how much you’re contributing to it. My minimum monthly payment is not due until the future so it would be nice if the app could adjust for that at the starting date of when the monthly payments resume. Though it’s in forbearance my goal is still to pay it off before the forbearance lifts so I wanted to track the snowball payoff. This just a tracker, nothing more. All in all this app was not worth the $12.99 as it’s basically unusable for me.

### 1/5 — Waste of money

*2026-02-01, version 1.3.10*

I paid for the pro but have no idea what that bought me.

### 1/5 — Stupid

*2026-01-04, version 1.3.10*

It won’t let me select my correct next payment date.

## Frequently asked questions about Debt Payoff Box

### What does Debt Payoff Box do?

Debt Payoff Box is a debt management application designed to help users organize and plan the payoff of their various debts. It offers strategies like the snowball and avalanche methods, allows for extra payments, and provides detailed schedules to track progress towards becoming debt-free.

### What are the key features of this debt payoff app?

Key features include defining debt payoff order (smallest first or highest interest first), using a snowball effect with released funds, adding extra monthly payments to save interest and time, and a 'fast forward' option to update debt status without manual transaction tracking. It also offers detailed payment schedules and 'what-if' analysis.

### Is this app free to use?

Yes, the app is free to download and use. While the core functionality is free, it does have in-app purchases, suggesting that some advanced features or options might be available for an additional cost.

### What types of debts can I track with this app?

The app supports a wide range of debt types, including mortgages, car loans, student loans, credit card debt, cash loans, medical bills, and other general bills. You can categorize and manage all your debts in one place.

### How does the app help me pay off my debts faster?

The app helps you pay off debts faster by allowing you to strategize your payments. You can choose to pay off the smallest debts first (snowball method) or the debts with the highest interest rates first (avalanche method). It also calculates the potential savings in time and interest when you make extra payments beyond the minimum.

## Version history (last 5 releases)

### 1.5 — 2026-04-02

We have a new name! 

Debt Free Box is now Debt Payoff Box: Snowball Plan - same app, same data, fresh new look. 

Updated performance and stability improvements.

### 1.4.1 — 2026-02-20

Enhanced sorting options

### 1.4 — 2026-02-05

We’ve polished the app and fixed bugs to improve overall performance.

### 1.3.10 — 2024-06-30

minor fixes

### 1.3.9 — 2020-10-22

Minor fixes

1.3.8:
Subscribe to our Money Box Newsletter to get Personal Finance advice, Smart Finance Apps news and random messages from our founder.

1.2:
Pay off debts even faster with Snowball strategy.

Play with different strategies, see how much you save interest and years of your life(!) and choose the best strategy for you.

Use fast forward feature to quickly debt schedule up to date.

Enjoy!
Debt Free Box team

## Apps similar to Debt Payoff Box

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| --- | --- | --- | --- |
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## More apps by Natalia Alekseenko

- [Money Goals: Savings Box](https://appshunter.io/ios/app/money-goals-savings-box/id959555672)
- [Budget Box: Expense Tracker](https://appshunter.io/ios/app/budget-box-expense-tracker/id1234941976)
- [Billy Box: Bills Monitor](https://appshunter.io/ios/app/billy-box-bills-monitor/id1343796211)
- [Bills: Organizer & Reminder](https://appshunter.io/ios/app/bills-organizer-and-reminder/id6742742115)
- [Accounts: Track Your Money](https://appshunter.io/ios/app/accounts-track-your-money/id6748566211)

All apps by Natalia Alekseenko: https://appshunter.io/developer/1687799743

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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 2026-08-28.*