Hourglass: Debt Payoff
Loan & Credit Card Calculator
About
This app helps you visualize your debt payoff journey. Input your loans and credit cards, set payment amounts, and see your estimated debt-free date and total interest. Model different payment scenarios to accelerate your payoff.
What's New in Hourglass
1.3.0
October 8, 2026
Compare snowball and avalanche side by side, with a plan based on your own debts. Also new: a Send feedback option in Settings.
Subscriptions & In-App Purchases
$4.99
Hourglass Pro
Unlock the full calculator One-time purchase
Developer apps
FAQ
How does Hourglass calculate debt payoff?
Hourglass uses your entered debt details, including loan amounts, interest rates, and your planned payments, to project your payoff timeline. It provides month-by-month amortization schedules and allows you to model extra payments to see how they impact your debt-free date.
What types of debt can I track with Hourglass?
You can track any type of debt, including credit cards, student loans, car loans, and mortgages. The app is designed to be flexible for all your financial obligations.
Does Hourglass require an account or bank connections?
No, Hourglass stores your debt information locally on your device, ensuring privacy. It does not require an account or any bank connections to function.
What are the pricing options for Hourglass?
Hourglass offers a 30-day free trial. After the trial, you can unlock the full version forever for a one-time purchase of $4.99.
Does Hourglass have ads?
No, Hourglass is completely ad-free. The app focuses on providing a clean and uninterrupted user experience for managing your debt.
What devices is Hourglass available on?
Hourglass is currently supported on iPhones and iPods. The app runs on iOS devices.
How often is Hourglass updated?
The latest version, 1.0.1, was released on July 2, 2026. Updates are likely to occur periodically to improve functionality and address any issues.
What is the age rating for Hourglass?
Hourglass has an age rating of 4+, making it suitable for a wide range of users. This indicates it contains no mature content.
