# Debtpayoff Copilot — Avalanche vs Snowball

> Avalanche vs Snowball (iPhone/iPad app by 雨川 甘.)

- Source: https://appshunter.io/ios/app/debtpayoff-copilot/id6754679005 (this page in markdown: same URL + `.md`)
- Developer: [雨川 甘](https://appshunter.io/developer/1163104740)
- Category: Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 1 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2025-11-18
- Data updated: 2026-08-31
- User reviews in markdown: https://appshunter.io/ios/app/debtpayoff-copilot/id6754679005/reviews.md

## What is Debtpayoff Copilot?

Debt Payoff Copilot is a clean, offline tool to compare three strategies:

- Normal: Pay minimums and see overall cost and timeline;
- Avalanche: Prioritize highest APR to minimize interest paid;
- Snowball: Prioritize smallest balance to build momentum and finish faster.

Highlights:
- Side-by-side results: months to payoff, total interest, and total payment;
- Smart recommendation (NSAttributedString) tailored to your data;
- Friendly input UX: keyboard-safe fields that auto-scroll into view;
- Clear validation: prevents saving invalid data (e.g., payment below monthly interest);
- Local computation, privacy-friendly: no data collection, works offline.

Notes:
- This app does not provide financial or legal advice;
- Keep your balances/APRs updated monthly for best accuracy.


## Version history (last 2 releases)

### 1.0.1 — 2026-08-28

- Added local persistence so your debt data is preserved after relaunch;
- Invalid balances, interest rates, and payments are no longer saved;
- Improved batch validation and invalid-input handling;
- Added persistence and debt-manager unit tests for better reliability.

### 1.0 — 2025-11-18

No release notes.

## Apps similar to Debtpayoff Copilot

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Price Book-Track Grocery Price](https://appshunter.io/ios/app/price-book-track-grocery-price/id1431720584) | 3.0 (18) | Free | Utilities |
| [ZEN PDF PRO](https://appshunter.io/ios/app/zen-pdf-pro/id6450250043) | 4.1 (1,528) | Free | Utilities |
| [E-polis](https://appshunter.io/ios/app/e-polis/id6457364498) | 4.9 (34) | Free | Utilities |
| [AI Talk Chat: Open Wisdom](https://appshunter.io/ios/app/ai-talk-chat-open-wisdom/id6446061286) | 4.6 (409) | Free | Utilities |
| [Síminn](https://appshunter.io/ios/app/siminn/id580526067) | 3.8 (10) | Free | Utilities |
| [Swegon CASA](https://appshunter.io/ios/app/swegon-casa/id1593164991) | — | Free | Utilities |

## More apps by 雨川 甘

- [Chatty Assistant](https://appshunter.io/ios/app/chatty-assistant/id6452273811)
- [Completions](https://appshunter.io/ios/app/completions/id6455041969)

All apps by 雨川 甘: https://appshunter.io/developer/1163104740

---

*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 2026-08-31.*