# Lighten: Debt Payoff Planner — Snowball & Avalanche Tracker

> Snowball & Avalanche Tracker (iPhone/iPad app by Nguyen Khac Tiep.)

- Source: https://appshunter.io/ios/app/lighten-debt-payoff-planner/id6793988156 (this page in markdown: same URL + `.md`)
- Developer: [Nguyen Khac Tiep](https://appshunter.io/developer/1286629572)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 12+
- Requires: iOS 15.6 · 44 MB
- Languages: American English
- Released: 2026-08-05
- Data updated: 2026-08-14
- User reviews in markdown: https://appshunter.io/ios/app/lighten-debt-payoff-planner/id6793988156/reviews.md

## What is Lighten?

Stop guessing when you'll finally be debt-free.

Lighten is a straightforward payoff planner for anyone juggling more than one debt — credit cards, personal loans, installment plans, or app loans. Add every balance you owe, pick a strategy, and watch your exact payoff date update in real time.

HOW IT WORKS
1. Add your debts — balance, interest rate, minimum payment
2. Choose Snowball (smallest balance first) or Avalanche (highest interest first)
3. Follow your month-by-month roadmap to $0

WHY PEOPLE TRUST LIGHTEN
Your data never leaves your phone. No account, no bank login, no server, no tracking. Every calculation happens locally on your device — the way a debt tool should work.

KEY FEATURES
• Unlimited debts tracked — free, always. We never gate the one thing that matters most: seeing your full picture.
• Real interest-rate math, including the hidden cost of "fixed rate" loans, shown as their true effective rate
• Instant warning when a minimum payment doesn't even cover the interest — the debt trap most people never notice
• Monthly payoff roadmap showing exactly which debt to focus extra payments on
• Payment reminders so you never miss a due date
• Available in English, Vietnamese, Spanish, Portuguese, and Indonesian

LIGHTEN PRO (one-time purchase, no subscription)
• Compare multiple what-if scenarios side by side
• Advanced progress charts
• Export your roadmap as a PDF
• Remove ads

Lighten doesn't sell loans, doesn't push credit offers, and never encourages you to borrow more. It's built to help you owe less — one month at a time.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lighten Pro | $3.99 | one-time |



## Version history (last 2 releases)

### 1.0.1 — 2026-08-12

Lighten just got a fresh new look!

• A redesigned experience across the entire app — clearer, warmer, easier to use
• More detailed balance-increase alerts with helpful next steps
• More flexible notification controls, including a new balance check-in reminder
• A confirmation screen before sharing your PDF payoff plan (Pro)
• Various small bug fixes and general improvements

Thank you for trusting Lighten on your debt-free journey!

### 1.0 — 2026-08-05

No release notes.

## More apps by Nguyen Khac Tiep

- [Monsy](https://appshunter.io/ios/app/monsy/id1542997469)
- [Runner Habit](https://appshunter.io/ios/app/runner-habit/id1575657832)
- [TM Cats and Zombies](https://appshunter.io/ios/app/tm-cats-and-zombies/id1638264454)
- [Monsey - Cash Management](https://appshunter.io/ios/app/monsey-cash-management/id1639090943)
- [Ahorrar - Saving Goal](https://appshunter.io/ios/app/ahorrar-saving-goal/id1661634534)
- [Revenues - Revenue Tracking](https://appshunter.io/ios/app/revenues-revenue-tracking/id6444763428)

All apps by Nguyen Khac Tiep: https://appshunter.io/developer/1286629572

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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 2026-08-14.*