# Hourglass: Debt Payoff — Loan & Credit Card Calculator > Debt payoff calculator for loans and credit cards with amortization and scenario modeling. (iPhone/iPad app by Anchorpoint Software LLC.) - Source: https://appshunter.io/ios/app/hourglass-debt-payoff/id6781484430 (this page in markdown: same URL + `.md`) - Developer: [Anchorpoint Software LLC](https://appshunter.io/developer/1889050493) - Category: Finance - Price: Free with in-app purchases - Rating: 4.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 10 MB - Languages: American English - Released: 2026-06-25 - Data updated: 2026-07-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/hourglass-debt-payoff/id6781484430/reviews.md ## What is Hourglass? See exactly when you'll be debt-free — and what it costs to get there faster. Hourglass is a debt payoff calculator that runs the numbers for you. Add your loans, credit cards, or any debt, set your payment amounts, and instantly see your payoff date and total interest paid. Adjust your extra payment and watch the timeline shrink in real time. What Hourglass does: - Calculate payoff dates for any debt — credit cards, student loans, car loans, mortgages - See month-by-month amortization breakdowns - Model extra payment scenarios instantly - Store multiple debts locally, privately — no account required - Set payment reminders so you never miss a due date No subscriptions. No bank connections. No ads. Just the math, clearly laid out. Try free for 30 days. Unlock forever for $4.99. ## Key features - Calculate payoff dates for any debt - See month-by-month amortization - Model extra payment scenarios - Store multiple debts locally - Set payment reminders ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Hourglass Pro | $4.99 | one-time | ## Frequently asked questions about Hourglass ### 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. ## Version history (last 4 releases) ### 1.2.0 — 2026-07-29 Your first debt is now free forever — no more lock when the trial ends. Run scenarios, see your schedule, and get payment reminders on your first debt at no cost. Hourglass Pro unlocks unlimited debts and the multi-debt payoff plan. ### 1.1.0 — 2026-07-11 New: Payoff Plan — see your debt-free date with snowball or avalanche. Extra payments roll from one paid-off debt into the next automatically. ### 1.0.1 — 2026-07-02 What's New in 1.0.1 • Tap the extra payment amount to type an exact value, no more slider-only • The full payment schedule is now grouped by year, so long loans are easy to browse • New: turn payment reminders on or off in Settings • Reminders now work during your free trial, and update right away when you add or remove a debt • Very long payoffs are now shown honestly as "50y+" instead of a misleading date • A refreshed app icon, with matching light and dark mode versions • Better light mode throughout, including the unlock screen • Improved VoiceOver support for the payment slider • Restoring a purchase now confirms whether anything was found • Assorted small fixes and polish ### 1.0 — 2026-06-25 No release notes. ## More apps by Anchorpoint Software LLC - [Nemu: Anime Tracker](https://appshunter.io/ios/app/nemu-anime-tracker/id6761348373) All apps by Anchorpoint Software LLC: https://appshunter.io/developer/1889050493 --- *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 2026-07-29.*