# Debt Payoff Planner: Paydownly — Snowball Avalanche Calculator

> Snowball Avalanche Calculator (iPhone/iPad app by Ali Haider.)

- Source: https://appshunter.io/ios/app/debt-payoff-planner-paydownly/id6803645123 (this page in markdown: same URL + `.md`)
- Developer: [Ali Haider](https://appshunter.io/developer/1880350867)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 12 MB
- Languages: American English
- Released: 2026-09-10
- Data updated: 2026-10-07
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-planner-paydownly/id6803645123/reviews.md

## What is Debt Payoff Planner?

Take control of your debt with Paydownly, a debt payoff planner and tracker that helps you compare payoff strategies, estimate your debt-free date, track payments, and visualize your progress toward $0.

Add credit cards, student loans, car loans, personal loans, and other debts. Enter your balance, APR, and minimum payment, then compare Debt Snowball and Debt Avalanche projections to find a plan that fits your goals.

HOW IT WORKS

1. Add your debts and payment details
2. Compare Snowball and Avalanche strategies
3. Review your estimated payoff timeline
4. Track payments and watch your balances decrease

DEBT PAYOFF STRATEGIES

• Debt Snowball, prioritize smaller balances first for quicker milestones
• Debt Avalanche, prioritize higher-interest debts first to potentially reduce interest costs
• Compare strategy projections side by side
• See estimated payoff dates for each debt

POWERFUL DEBT CALCULATORS

• Extra Payment Calculator, estimate how additional payments may shorten your payoff timeline
• What-If Sandbox, compare payoff scenarios side by side
• Payment Needed, estimate the monthly payment needed to reach a target payoff date
• One-Time Payment, see the potential impact of a lump-sum payment

VISUAL PROGRESS

Turn your debt payoff plan into progress you can see:

• Animated progress ring toward $0
• Donut chart showing your debt breakdown
• Balance-over-time charts for individual debts
• Interest vs. principal visualization
• Strategy comparison charts

TRACK EVERY PAYMENT

• Log payments with an estimated principal/interest split
• Review payment history for each debt
• Edit, delete, or undo payment entries
• Track payment streaks for motivation
• Set reminders to help you remember payment dates

FREE FEATURES

Track up to 3 debts for free with access to:

• Debt Snowball and Avalanche strategies
• Payoff projections
• Strategy comparison
• All calculators and what-if tools
• Charts and visualizations
• Payment logging and history
• Reminders and streaks
• CSV and JSON export

PAYDOWNLY PREMIUM

Upgrade to Paydownly Premium to unlock unlimited debts and view your complete multi-debt payoff strategy.

Optional auto-renewable subscription plans are available through the App Store. The applicable price and billing period are shown before purchase. Subscriptions renew automatically unless canceled. You can manage or cancel your subscription through your Apple Account subscription settings.

PRIVACY FIRST

Your debt information is stored locally on your device. Paydownly does not require an account and does not use advertising or third-party tracking.

If you enable iCloud sync, your data may also be securely stored in your private iCloud account and synced across supported Apple devices.

No account creation. No ads. No selling your debt data.

IMPORTANT
Paydownly is a financial planning and educational tool. It does not provide financial, investment, tax, credit, or legal advice. Payoff dates, interest amounts, principal/interest allocations, savings estimates, and other projections are estimates based on the information you enter and may differ from actual lender calculations, fees, interest methods, payment timing, or account activity.

Privacy Policy:
https://anjumafshan.online/dpp-ios-privacy-policy.html

Terms of Service:
https://anjumafshan.online/dpp-ios-terms-of-service.html

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Quarterly | $5.99 | per 3 months |
| Yearly | $12.99 | per year |



## Version history (last 1 release)

### 1.0 — 2026-09-10

No release notes.

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## More apps by Ali Haider

- [Posturly Posture Reminder App](https://appshunter.io/ios/app/posturly-posture-reminder-app/id6759722589)

All apps by Ali Haider: https://appshunter.io/developer/1880350867

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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 2026-10-07.*