# Debt Zero: Snowball Calculator — Payoff Planner & Loan Tracker

> Debt payoff planner using snowball or avalanche methods with payment tracking. (iPhone/iPad app by Casi Knibbs.)

- Source: https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557 (this page in markdown: same URL + `.md`)
- Developer: [Casi Knibbs](https://appshunter.io/developer/1521549479)
- Category: Finance, Productivity
- Price: Free with in-app purchases (on sale, was $2.99)
- Rating: 4.10/5 from 14 App Store ratings · 8 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 208 MB
- Languages: American English
- Released: 2020-09-16
- Data updated: 2026-09-02
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557/reviews.md

## What is Debt Zero?

Getting out of debt is a journey, and having a clear plan makes all the difference. Debt Zero is designed to give you the clarity and confidence you need to reach financial peace faster.

Most finance apps look backward at what you’ve already spent. Debt Zero looks forward, showing you exactly when you will be out of debt. Whether you prefer the early wins of the Snowball method or the interest savings of the Avalanche method, we help you build a plan to move you towards being debt free.

• COMPLETE PRIVACY: Your financial data stays on your device, exactly where it belongs. No bank connections, no data sharing, and no broken syncs—just a secure place for your plan.
• SEE YOUR PROGRESS: Watch your "Freedom Date" get closer in real-time. Discover how a plan for extra payments today can shave months off your timeline and save you money in the long run.
• STAY ORGANIZED: Use the built-in calendar to visualize your regular payments and plan your strategy with a clear, calm roadmap.
• DAILY MOTIVATION: Keep your goals front and center with elegant home screen widgets that celebrate every step of your journey.
• JOURNEY MILESTONES: Celebrate small wins along the way, earn milestone stickers, and share your progress to encourage others.
• A PERSONAL EXPERIENCE: Customize the app to match your style with premium themes and icons designed for a beautiful, native iOS experience.
• ESTABLISHED TRUST: Built and launched in 2020, Debt Zero has been a reliable companion for users on their path to financial freedom for over half a decade.

Debt Zero does not sync with financial institutions. We understand that entering data can feel like a big step, but taking that moment to organize your numbers is the first step toward taking control of your future. While automated tracking can feel convenient, active engagement with your plan helps you stay focused on reaching your goals.

You aren’t just downloading a tracker; you’re choosing a clearer, calmer path to $0.00. You’ve got this!

Privacy Policy: https://debtzero.couleemoon.ca/privacy

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Debt payoff planning
- Snowball and avalanche methods
- Payment calendar
- Progress tracking
- Savings estimates
- Customization options
- Home screen widgets

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Enable All Features | $1.99 | per month |
| Enable All Features | $14.99 | per year |
| Enable All Features | $9.99 | per year |
| Enable All Features | $9.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Enable All Features | $39.99 | one-time |
| Unlock Themes & Icons | $1.99 | one-time |


## Recent user reviews (8 of 8)

All indexed reviews: https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557/reviews.md

### 5/5 — Sincere review

*2025-12-05*

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.

**Developer response:** Thank you so much for your kind review! Best wishes on your debt free journey!

### 3/5 — It's looks nice but

*2025-07-11*

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.

**Developer response:** 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!

### 4/5 — Really great

*2025-01-15*

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!

**Developer response:** 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!

### 4/5 — Not automatic

*2025-01-04*

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

**Developer response:** Thank you for your feedback! It is much appreciated!

### 4/5 — Simple Debt Tracker

*2024-01-12*

A simple debt tracker to show where you are in the journey, although there are no bells and whistles that try and give you strategies for how to pay it off, it has a very clean and simple interface and is a once off purchase, no subscription required.

The only additional option I would like to see a choice between lowest balance first and highest interest first.
However if you just want an app that visually shows where you stand and the approximate time till everything is paid off, this is a nice looking app that does that job.

**Developer response:** Thank you for taking the time to leave a review and provide your feedback!

### 5/5 — Simple App!

*2023-09-02*

The easiest app to simplify your debt payoff. It’s all manual entries, which eliminates any bank connection/security issues. Simply enter your account balances, min payment and the calculator organizes your snowball for you. Reminder prompts you to update your balances once a month. Very helpful!

**Developer response:** That is so kind! I’m glad you are finding Debt Zero useful 😁. Good luck on your debt free adventure! Stay the course 😉

### 5/5 — Love it

*2023-07-12*

Nice and simple and keeps me updated on how long I have left to get out of debt

**Developer response:** Thank you so much for your kind words! Best wishes on your debt free journey!

### 1/5 — Doesn't even open

*2023-03-27*

Paid for this app and it doesn't even load. 

Can I have my £1.99 back please

**Developer response:** That is no good! I’m sure you have already tried uninstalling and reinstalling the app 😉. If for some reason the issue persists you are more than welcome to request a refund following the App Store process!

## Frequently asked questions about Debt Zero

### How does Debt Zero help me pay off debt?

Debt Zero allows you to input all your debts and choose between the snowball or avalanche payoff methods. It then helps you plan your regular and extra payments with a calendar and tracks your progress towards becoming debt-free.

### What are the subscription options for Debt Zero?

Debt Zero offers subscription plans for "Enable All Features" at $1.49 per month, or $9.99 per year with either a 1-year or 14-day free trial. These subscriptions unlock all functionalities of the app.

### Is my financial data secure with Debt Zero?

Yes, your data is private. Debt Zero emphasizes security by not requiring any bank connections, ensuring your sensitive financial information remains protected within the app.

### What devices does Debt Zero support?

Debt Zero is available on iPhone and iPad, making it accessible for users within the Apple ecosystem.

### How often is Debt Zero updated?

The app was last updated on September 15, 2025, indicating recent development and ongoing support from the developer.

### 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 personal finance management.

### Does Debt Zero have ads?

No, Debt Zero does not contain advertisements, providing an uninterrupted user experience for managing your finances.

### What is the user sentiment for Debt Zero based on ratings?

Debt Zero has an average rating of 3.9 stars from 11 ratings, suggesting generally positive user experiences with the app's features and functionality.

## Version history (last 5 releases)

### 9.0.3 — 2026-08-09

Thanks for using Debt Zero! This update includes minor enhancements and fixes.

### 9.0.2 — 2026-05-27

We've added sharable Journey Milestones, new charts, payment notifications and more!

### 9.0.1 — 2026-05-25

We've added sharable Journey Milestones, new charts, payment notifications and more!

### 9.0.0 — 2026-04-18

We've added sharable Journey Milestones, new charts, payment notifications and more!

### 8.0.0 — 2025-09-15

Enhancements for the newest version of iOS, as well as other bug fixes.

## Apps similar to Debt Zero

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Stack - Simple Debt Manager](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951) | 4.3 (6) | Free | Finance |
| [Credit Card Payment Calculator](https://appshunter.io/ios/app/credit-card-payment-calculator/id1551269755) | 4.5 (94) | Free | Finance |
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| [Pay Off Debt: Debt Calculator](https://appshunter.io/ios/app/pay-off-debt-debt-calculator/id1512498841) | 3.0 (7) | Free | Finance |
| [Debt Control – payoff planner](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808) | 4.5 (32) | Free | Finance |
| [Debt Tracker - Debts](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142) | 4.4 (105) | Free | Finance |

## More apps by Casi Knibbs

- [Grocery Day](https://appshunter.io/ios/app/grocery-day/id1542048555)
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All apps by Casi Knibbs: https://appshunter.io/developer/1521549479

## Related topics

[debt snowball vs avalanche](https://appshunter.io/ios/topics/debt-snowball-vs-avalanche)

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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 2026-09-02.*