# Debt Snowball Payoff Tracker — Snowball Avalanche Tracker

> Snowball Avalanche Tracker (iPhone/iPad app by Phuc Pham.)

- Source: https://appshunter.io/ios/app/debt-snowball-payoff-tracker/id6772266468 (this page in markdown: same URL + `.md`)
- Developer: [Phuc Pham](https://appshunter.io/developer/1893081423)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 5 MB
- Languages: English
- Released: 2026-05-28
- Data updated: 2026-08-23
- User reviews in markdown: https://appshunter.io/ios/app/debt-snowball-payoff-tracker/id6772266468/reviews.md

## What is Debt Snowball Payoff Tracker?

Pay off debt faster and know the exact day you'll be debt-free. Debt Payoff Planner turns every loan and credit card into one clear, month-by-month payoff plan — so you finally see the finish line instead of guessing.

Most debt apps just track balances. This one actually builds the plan: it orders your debts into the smartest sequence, rolls each cleared minimum into the next balance, and shows how a few extra dollars a month erase months of payments and hundreds in interest. Snowball for momentum, avalanche for savings — compare both side by side in seconds.

WHAT YOU GET
- A full month-by-month payoff schedule with your exact debt-free date
- Snowball method that crushes the smallest balance first for fast, motivating wins
- Avalanche method that targets the highest interest rate to save the most money
- An instant compare showing how much interest each method saves you
- A what-if slider that models extra payments and re-draws your finish line live
- Monthly payment reminders so you never miss a due date — fully offline

PERFECT FOR
- Anyone juggling multiple credit cards or loans at once
- Students and grads tackling student-loan balances
- Couples building a shared plan to become debt-free
- People who tried budgeting apps but never saw a real payoff date

WHY NOT JUST USE A SPREADSHEET
Spreadsheets don't roll freed-up minimums into the next debt, re-order by method, or update your debt-free date the moment you add an extra payment. Debt Payoff Planner does all of it automatically, with plain-English guidance drawn from U.S. CFPB and Federal Reserve consumer-credit resources.

PRIVACY
Every number stays on your device. No bank logins, no accounts, no ads, no tracking — ever.

FULL ACCESS
The app is free to add your debts and see your first plan. Premium unlocks the complete experience — the avalanche method, interest-saved compare, the full month-by-month schedule, and what-if extra-payment modeling — through one of these options:
- Weekly subscription
- Yearly subscription
- Lifetime one-time purchase
Subscriptions renew automatically unless canceled at least 24 hours before the period ends; manage or cancel anytime in your App Store account settings. The lifetime option is a single purchase with no renewal.

Add your first debt today and see exactly when you'll be free.

Terms of Use (EULA): https://web-levi.web.app/terms
Privacy Policy: https://web-levi.web.app/privacy-policy
Questions? Contact tphuc.work@gmail.com


## Version history (last 4 releases)

### 1.2.2 — 2026-08-15

Bug fixes and performance improvements.

### 1.2.1 — 2026-08-05

Bug fixes and performance improvements.

### 1.1.0 — 2026-07-17

Introducing Premium with new features. Plus bug fixes and improvements.

### 1.0 — 2026-05-28

No release notes.

## More apps by Phuc Pham

- [Spy Cam Detector: Bug Radar](https://appshunter.io/ios/app/spy-cam-detector-bug-radar/id6763095044)
- [Audio Bible: KJV Scripture](https://appshunter.io/ios/app/audio-bible-kjv-scripture/id6763095570)
- [Feng Shui Compass & Horoscope](https://appshunter.io/ios/app/feng-shui-compass-and-horoscope/id6763224597)
- [Year Progress: Days & Percent](https://appshunter.io/ios/app/year-progress-days-and-percent/id6767788732)
- [AI Email Writer: Smart Reply](https://appshunter.io/ios/app/ai-email-writer-smart-reply/id6767789113)
- [Alarm Clock: Wake Up Missions](https://appshunter.io/ios/app/alarm-clock-wake-up-missions/id6767789239)

All apps by Phuc Pham: https://appshunter.io/developer/1893081423

## Related topics

[debt snowball payoff tracker](https://appshunter.io/ios/topics/debt-snowball-payoff-tracker)

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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 2026-08-23.*