Debt Payoff XL — Snowball

Debt Payoff XL is a debt snowball and avalanche planner: enter your credit cards, car loan and student loan once and see the month you will be debt free, with the interest each order costs. Pay once, no subscription: the first 3 debts are free forever and one purchase unlocks the rest. Works offline in 45 languages. Splitting your spare money across everything feels fair, and it is exactly why nothing ever closes. Enter each debt once: name, balance, annual rate, minimum payment. From there the app works out the order and the date. SNOWBALL OR AVALANCHE Smallest balance first, or highest rate first. The Plan screen runs both and shows what each order costs you in interest. Pick the one you will actually stick with. THE DATE YOU ARE WORKING TOWARD The plan is a month by month simulation of your own numbers. Raise the extra payment a little and the finish date moves while you watch. ONE DEBT AT A TIME Minimums go to everything, and whatever is left goes into a single debt until it is gone. That debt then hands its whole payment, minimum included, to the next one in line. Your monthly total never changes, it just lands on one target. WHEN THE MINIMUM IS TOO SMALL If the minimum does not cover the monthly interest, that balance grows instead of shrinking. The app says so on the debt itself instead of drawing a nicer chart. LOG A PAYMENT AND WATCH IT DROP Tap the debt, enter what you paid. The balance falls, History keeps the record, and the chart shows your total debt going down month by month. REMINDERS Each debt has its own day of the month. The time of day is set once and used by all of them. STAYS ON THIS IPHONE No account, no cloud, no ads, no analytics. Balances and rates do not leave the phone. It works with no internet at all. 45 LANGUAGES AND YOUR CURRENCY Both are in Settings, and only the symbol changes. Nothing is converted. ONE PRICE, PAID ONCE Your first three debts are free for as long as you want them. One purchase lifts the limit for good, with no subscription and nothing to renew. Whatever you have entered is yours either way.