Debtfall: Debt Payoff Planner

See your debt-free date — without giving anyone your data. Enter each debt once: balance, interest rate, minimum payment. Pick snowball or avalanche, and Debtfall answers the three questions that matter: When am I debt-free? How much interest will I pay? What happens if I pay a little more? WHY DEBTFALL • The what-if slider — drag "extra per month" and watch your debt-free date jump closer and the interest saved climb, live. • Snowball or avalanche — smallest balance first for motivation, or highest rate first for the math. One line explains each; switch any time. • Watch the curve bend — a balance-over-time chart shows your payoff against a minimums-only baseline, so progress is visible, not just numeric. • Log payments as you make them — balances update and the plan re-anchors to reality. Full amortization table for every debt. • Glanceable widgets — debt-free countdown and progress on your home and lock screen. Lock-screen widgets show progress and dates only, never balances, unless you say so. • Celebrate every zero — paying off a debt is a moment. Confetti, "1 down, 3 to go", and a new debt-free date. • Hopeful, not shameful — copy celebrates progress. No guilt, no red warnings, no lectures. PRIVATE BY ARCHITECTURE No account. No bank login — ever. Your financial data stays on your device: balances, rates, payment amounts and your debt-free date are never transmitted, and there is no backend to send them to. No ads, ever. Debtfall does collect anonymous usage and crash data — which screens are opened and what breaks — so a one-person team can tell what to fix next. It never includes a balance, a rate, a payment amount or the name of a debt. Turn it off any time in Settings. Free version includes every feature with up to 2 debts. Debtfall Pro (one-time purchase, no subscription) unlocks unlimited debts and CSV export of your payoff schedule. Debtfall provides estimates based on the numbers you enter, assuming monthly compounding. It is not financial advice.