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Debt Zero: Snowball Calculator

Debt Zero: Snowball Calculator

Payoff Planner & Loan Tracker

15 ratings
9 reviews
With Ads
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Price history

Details

Released
December 12, 2020
Updated
October 27, 2026

Developer

Casi Knibbs
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About

This app helps you create a personalized plan to become debt-free faster. It visualizes your progress, offers motivational tools, and supports both Snowball and Avalanche payoff methods. Your financial data remains private on your device.

✓Debt payoff planning
✓Snowball and Avalanche methods
✓Real-time progress tracking
✓Privacy-focused (on-device data)
✓Calendar visualization
✓Home screen widgets
✓Milestone celebrations
Show original description
+1

What's New in Debt Zero

9.1

October 27, 2026

iPhone Duo support

4

Subscriptions & In-App Purchases

Enable All Features

Provides access to all in app features

$2.991 Month
Price Updates
October 29, 2026→$2.99
June 14, 2026→$1.99
October 6, 2024→$1.49
How to cancel Debt Zero subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

So far so good

I like this app so far! I like that I can see everything in one place. I like that I was able to do it manually and not have to link it all, I personally don’t like sharing my information like that across apps. Is there an option for adding additional payments though? And then having that get calculated? I was able to make a one off additional payment and I don’t see anywhere to add it. So it skews my numbers. I don’t want to have to edit the account info, I’d like to be able to see it as a payment. I’m not even sure if editing my account info would work. If that’s something you could add, I’d love the app even more!! Definitely recommend it!!
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SSaraBeth811

Response from developer

Thank you for the kind review and the feature suggestion! For now, the simplest way to manage an extra payment is to update your Current Balance. Since all estimates are done using that, it will be like you have made an extra payment!

Sincere review

This is probably the first sincere review that I have ever done. Because I am usually just putting five stars and not leaving a review. But I think that you should get this app because you can have a widget on your Home Screen that will show you how far you have come in paying off your debts. And you can change the color of the icon on a whim. Let’s say you are rooting for the Chicago Blackhawks. You can change it to black and red.
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GGwen110

Response from developer

Thank you so much for your kind review! Best wishes on your debt free journey!

It's looks nice but

Needs to add a line towards debt. Currently you add your minimum amounts. Now it needs to be able to add line for extra payments after each debt is paid you can snowball that amount to next debt. I like the be able to list everything but I'm not seeing anything about actually paying anything down. There should be paid off button or something.
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GGaul6000

Response from developer

Thank you for the feedback! Currently once a debt is showing a zero balance, it will automatically roll over into the next account based on priority (snowball or avalanche). You can also view these additional payments in the calendar view. Again, thank you for taking the time to leave a review!

Really great

I really love this simple app! It’s so close to perfect. I’d like to be able to see a summary of payments going out and where the snowball payments are going. For example I paid off a card and now need to funnel x amount to which account.
Also a total amount that’s going out would be awesome!
LLarakins

Response from developer

Thank you so much for your feedback and your encouraging review! We are always looking for ways to make Debt Zero as helpful as possible!

Not automatic

Amazing app but would be great if the monthly payments will auto deduct the sum of each accounts
Iiamxhae

Response from developer

Thank you for your feedback! It is much appreciated!

See 4 more reviews

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FAQ

How does Debt Zero help me get out of debt?

Debt Zero provides a clear roadmap for debt payoff, supporting both the Snowball and Avalanche methods. It visualizes your progress towards your 'Freedom Date' and shows how extra payments can save you time and money.

Is my financial data safe with Debt Zero?

Yes, Debt Zero prioritizes complete privacy. Your financial data stays exclusively on your device, with no bank connections or data sharing, ensuring a secure personal plan.

What are the subscription options for Debt Zero?

Debt Zero offers subscription plans to enable all features, including monthly ($2.99/P1M), annual ($9.99/P1Y with a 14-day free trial), and another annual option ($14.99/P1Y with a 7-day free trial).

Does Debt Zero have ads?

Yes, Debt Zero contains advertisements. This is typical for free applications that offer in-app purchases for enhanced features.

When was Debt Zero last updated?

The latest version of Debt Zero is 9.1, and it was last updated on October 27, 2026. This indicates a consistent update schedule.

What devices can I use Debt Zero on?

Debt Zero is available for iPhone and iPad, offering a native iOS experience for users on Apple devices.

What is the age rating for Debt Zero?

Debt Zero has an age rating of 4+, making it suitable for a wide range of users interested in financial planning.

How does Debt Zero compare to apps that sync with banks?

Unlike apps that sync with banks, Debt Zero requires manual data entry for enhanced privacy and active user engagement with their financial plan. This approach helps users stay more focused on their goals.