# Debt Snowball - Payoff Planner — Credit card & payment tracker

> Debt payoff planner using Snowball and Avalanche strategies. (iPhone/iPad app by Polybit Studio Pty Ltd.)

- Source: https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759 (this page in markdown: same URL + `.md`)
- Developer: [Polybit Studio Pty Ltd](https://appshunter.io/developer/1425804524)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.70/5 from 1,321 App Store ratings · 67 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 24 MB
- Languages: American English, French (France), German (Germany), Italian, Japanese, Korean, Chinese (Simplified, China)
- Released: 2019-09-08
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759/reviews.md

## What is Debt Snowball?

Overwhelmed with debt? Get debt-free faster using the Snowball/Avalanche payment strategy, recommended by many financial experts.

Simply add your debts and Debt Free will help you choose the best pay-off method so you pay less interest, save more money, and become debt-free sooner!

FEATURES:
• Add multiple debts
• Choose any repayment frequency (weekly, fortnightly, monthly, quarterly, six months, yearly)
• View total amount due, total interest paid, repayment amount/frequency, next due date and days remaining for each debt
• Check off and keep track of every payment towards a debt
• See the principal and interest paid on each payment
• Choose between four popular payment strategies recommend by financial experts:
— Standard
— Avalanche (Highest Interest Rate)
— Snowball (Lowest Remaining Balance)
— Snowball (Highest Remaining Balance)
All strategies include the pay-off date, total interest and the total saved.
• Keep your debts private with a Passcode, TouchID or FaceID
• Get push notification reminders for a specific date and frequency so you'll never forget to make a debt payment
• Supports different currencies

Got feedback or ideas? Feel free to reach out to support@polybitstudio.com

## Key features

- Add multiple debts
- Choose repayment frequency
- Track payments
- Snowball/Avalanche strategies
- Passcode/Biometric lock
- Payment reminders

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Unlock All Payment Strategies | $6.99 | one-time |


## What do users think of Debt Snowball?

Overall sentiment: negative

**Pros**

- 👍 Simple and easy-to-use interface
- 🚀 Straightforward debt tracking
- 💡 Debt payment strategies
- 🔒 Secure data storage

**Cons**

- 🐛 Bugs and glitches
- 💰 Paid features not worth the cost
- 🔍 Limited functionality for the price
- 🔢 Inaccurate balance calculations

**Commonly reported bugs**

- App crashes when adding multiple debts
- Inability to restore purchases
- Incorrect minimum payment requirements
- Calculation errors in debt repayment strategies

**Most requested features**

- Add ability to schedule additional payments
- Implement monthly fee tracking
- Provide visual debt progress tracking
- Allow editing of debt details after entry
- Improve iPad compatibility

## Recent user reviews (10 of 67)

All indexed reviews: https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759/reviews.md

### 4/5 — It’s decent, but limited

*2026-05-22*

I use the app knowing it is in no way an accurate pay-off calculation. The reason why is there is not a way to differentiate between the types of debt. Interest on a credit card accumulates differently than it does on an auto or personal loan. I mainly use it to see how much I am applying to the next debt for pay-off. I do wish it let you select the type for each debt instead of a generic entry.

### 1/5 — Disappointing

*2026-02-14*

Wish I had read Coyas review before I spent the money.   It tells you strategies for paying off debt but no place to put in your income.   Just gives these freeball numbers that are higher than my income.   I was looking for a strategy for MY BUDGET.   Not for the money that grows on trees.  Still haven’t found that seed yet.

### 3/5 — Using it

*2025-12-31*

I would like to see that you can make an additional payment other than on the payment due date

### 4/5 — Fonctionnalité à ajouter

*2025-12-17*

Une appli fonctionnelle, et facile d’usage et qui plus est en français. Elle fais le job, il manque juste la possibilité de faire entrer des paiements en extra pour accélérer les remboursements si cas échéant. En ajoutant cette fonction, l’app mériterait largement 5 étoiles !  En espérant avoir cette fonctionnalité dans un futur proche…:)

### 4/5 — Almost perfect

*2025-09-25*

This app would be perfect if you could easily add (+) an extra payment from within a debt-view page. Currently it appears I can only track scheduled payments. Workaround is to edit the toal owed amt

### 5/5 — Good for me

*2025-08-14*

Maybe not for everyone but I personally appreciate the simplicity of this app. I just need to see all my debts in one place and monitor/track my progress. THAT’s IT!!! None of the extra nonsense. No extra tabs. No random features I don’t need. No ads. No begging me to upgrade to premium. Etc.

### 1/5 — Not helpful

*2025-07-12*

Save yourself the money and look up on Google what the avalanche and snowball method are. All it does it tell you.  I was expecting that in addition to organizing my debts, that it would roll a payment into the next once something was paid off, and it definitely did not. 

Classic bait and switch.

### 3/5 — Wish I could add ALL debts

*2025-07-10*

Wish you could add debt without putting in a payment schedule. I’d like to be able to add ALL debt, not just the ones I’m actively paying off. Otherwise, it does exactly what I’m looking for!

### 1/5 — Almost great

*2025-06-15, version 2.0.0*

Why is there a requirement of $949 for repayment amount? What if I want to pay $100/mo

### 1/5 — Garbage

*2025-06-01, version 2.0.0*

Save your money and buy a notepad and a pencil.  Those are just as effective as this scamware.

## Frequently asked questions about Debt Snowball

### What does the Debt Snowball app do?

This app helps you become debt-free faster by implementing popular payoff strategies like the Snowball and Avalanche methods. You can add all your debts, choose a repayment strategy, and track your progress to minimize interest paid and save money.

### What are the key features of the Debt Snowball app?

Key features include adding multiple debts, selecting various repayment frequencies, tracking individual payments, and choosing between four expert-recommended payoff strategies (Standard, Avalanche, and two Snowball variations). It also offers privacy features like passcode lock and payment reminders.

### Is the Debt Snowball app free to use?

The app is free to download and use, with in-app purchases available. This suggests that while core functionality is free, some advanced features or customization options might require a purchase.

### What payment strategies does the app support?

The app supports four popular payment strategies recommended by financial experts: Standard, Avalanche (prioritizing highest interest rate), Snowball (prioritizing lowest remaining balance), and another Snowball variation (prioritizing highest remaining balance). Each strategy provides details on payoff date, total interest, and total savings.

### Can I use this app for different currencies?

Yes, the app supports different currencies, making it a versatile tool for users worldwide. You can also set up push notification reminders for specific dates and frequencies to ensure you never miss a debt payment.

## Version history (last 5 releases)

### 2.0.0 — 2023-04-23

Debt Free is now available for free download! Give it a try, and unlock the Avalanche and Snowball method with an in-app purchase.

The Avalanche and Snowball methods will be unlocked automatically for existing paid users. If you have any issues, tap Settings > Restore Purchases.

### 1.1.1 — 2020-06-22

In this release, we've added support for decimal numbers and various bug fixes.

Got feedback or ideas? email us at support@polybitstudio.com

### 1.1.0 — 2020-04-09

In this release, we've fixed a bug that caused the app to crash after adding debts.

Got feedback or ideas? email us at support@polybitstudio.com

### 1.0.9 — 2020-03-24

Fixed bug with decimal numbers in countries using a comma and other bug fixes. Got feedback or ideas? Feel free to reach out to support@polybitstudio.com

### 1.0.8 — 2020-03-20

In this release, we've added a shiny new app icon, fixed translations, and bugs.

Got feedback or ideas? email us at support@polybitstudio.com

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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 2026-08-29.*