Debtpayoff Copilot
Avalanche vs Snowball
0 ratings
Free
Rating summary
About
Debt Payoff Copilot is a clean, offline tool to compare three strategies:
- Normal: Pay minimums and see overall cost and timeline;
- Avalanche: Prioritize highest APR to minimize interest paid;
- Snowball: Prioritize smallest balance to build momentum and finish faster.
Highlights:
- Side-by-side results: months to payoff, total interest, and total payment;
- Smart recommendation (NSAttributedString) tailored to your data;
- Friendly input UX: keyboard-safe fields that auto-scroll into view;
- Clear validation: prevents saving invalid data (e.g., payment below monthly interest);
- Local computation, privacy-friendly: no data collection, works offline.
Notes:
- This app does not provide financial or legal advice;
- Keep your balances/APRs updated monthly for best accuracy.
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What's New in Debtpayoff Copilot
2.0.0
September 11, 2026
Version 2.0.0 brings a complete debt planning experience: ・Monthly repayment budget planning; ・Avalanche, snowball, and baseline strategy comparisons; ・Monthly payment plans and estimated payoff dates; ・Actual bill balance reviews; ・One-time extra payment simulations; ・Local JSON backup and restore; ・Demo mode for exploring the app; ・Improved data validation and recovery flows.
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