# Debt Payoff XL — Snowball — Debt snowball & loan tracker > Debt snowball & loan tracker (iPhone/iPad app by ihor Romanenko.) - Source: https://appshunter.io/ios/app/debt-payoff-xl-snowball/id6801566475 (this page in markdown: same URL + `.md`) - Developer: [ihor Romanenko](https://appshunter.io/developer/6792562550) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 3 MB - Languages: American English, Arabic, Bangla, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French (France) and 34 more - Released: 2026-08-23 - Data updated: 2026-09-10 - User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-xl-snowball/id6801566475/reviews.md ## What is Debt Payoff XL? A credit card, a car loan, a student loan, and the money you owe your brother. You pay a little into all of them every month and the total barely moves. 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. 34 LANGUAGES AND YOUR CURRENCY Both are in Settings, and only the symbol changes. Nothing is converted. ONE PRICE, PAID ONCE 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. ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Unlock the full version | $6.99 | one-time | ## Version history (last 3 releases) ### 1.2.0 — 2026-09-06 The free limit of 3 debts now counts every debt you have ever added, including closed ones. Fixed the wording of debt counts in several languages. ### 1.1.0 — 2026-09-03 New: the app now speaks 11 more languages. Small improvements. ### 1.0 — 2026-08-24 No release notes. ## More apps by ihor Romanenko - [DayLine — One Line Journal](https://appshunter.io/ios/app/dayline-one-line-journal/id6792562428) - [BP Log XL — Blood Pressure Log](https://appshunter.io/ios/app/bp-log-xl-blood-pressure-log/id6792683658) - [Routine Timer: Visual Steps](https://appshunter.io/ios/app/routine-timer-visual-steps/id6792862460) - [Sugar Log XL — Blood Sugar Log](https://appshunter.io/ios/app/sugar-log-xl-blood-sugar-log/id6793054896) - [Meno Log: Hot Flash Tracker](https://appshunter.io/ios/app/meno-log-hot-flash-tracker/id6796485894) - [Expense Log XL](https://appshunter.io/ios/app/expense-log-xl/id6796486042) All apps by ihor Romanenko: https://appshunter.io/developer/6792562550 --- *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 2026-09-10.*