# Saldar: Debt Payoff Tool — Debt Payoff Strategy Companion > Personal debt payoff planner with strategy comparison and interest savings calculation. (iPhone/iPad app by Benjamin Morris-Rains.) - Source: https://appshunter.io/ios/app/saldar-debt-payoff-tool/id6761979683 (this page in markdown: same URL + `.md`) - Developer: [Benjamin Morris-Rains](https://appshunter.io/developer/1835552442) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.3 · 55 MB - Languages: American English - Released: 2026-06-11 - Data updated: 2026-08-19 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/saldar-debt-payoff-tool/id6761979683/reviews.md ## What is Saldar? Saldar is a personal debt payoff planner that puts you in control. Add your credit cards, loans, and mortgage, pick a strategy, and see your exact path to debt freedom, including how much interest you'll save and when every debt will finally be gone. WHY SALDAR? Most people pay minimums for years with no idea when they'll actually be debt-free. Saldar changes that. Enter your balances, interest rates, and monthly payments and instantly see your personalized payoff timeline, total interest cost, and how much you could save by putting even a little extra toward your debt each month. DEBT PAYOFF STRATEGIES Saldar supports both the debt avalanche and debt snowball methods, and lets you compare them side by side so you can see exactly how much interest each approach would save and how many months sooner you'd be done. The avalanche method targets your highest-interest balances first to minimize what you pay over time. The snowball method starts with your smallest balances to build momentum and early wins. Neither is wrong. Saldar shows you the numbers so you can decide what fits your life. EVERY TYPE OF DEBT, HANDLED CORRECTLY Credit cards, mortgages, student loans, auto loans, personal loans, HELOCs: Saldar handles the math right for each one. Mortgages use proper amortization and store your escrow separately so your interest calculations stay accurate. Revolving balances like credit cards use daily-rate interest. You don't have to think about any of that. It just works. CLEAR PROJECTIONS, NOT SURPRISES See your payoff date for every debt. View your balance over time as a chart. Add an extra monthly payment amount and watch your payoff date move earlier in real time. See your total interest cost across your whole debt portfolio at a glance. BUILT FOR HOW PEOPLE ACTUALLY LIVE Log payments and charges as they happen. Track your available credit and remaining balances. Share an account with a partner or spouse so you're working toward the same goal together. No ads. No upsells. No overwhelming dashboards full of things you don't need. WHO IT'S FOR Saldar is for anyone carrying debt who wants an honest picture of where they stand and what it would take to get free faster. If you're juggling multiple credit cards, managing a mortgage alongside other debt, paying off student loans, or just tired of not knowing when it ends — this app was built for you. Saldar is for educational purposes only and does not constitute financial, legal, or tax advice. Results are projections based on user-provided data. Consult a licensed financial advisor before making debt management decisions. By downloading this app, you agree to our Terms of Use: https://www.elmtreesoftwareco.com/saldar-terms-of-use/ By downloading this app, you agree to our Privacy Policy: https://www.elmtreesoftwareco.com/saldar-privacy-policy/ ## Key features - Debt payoff strategy comparison (avalanche vs. snowball) - Interest savings calculation - Personalized payoff timeline - Supports credit cards, loans, and mortgages - Real-time balance and projection tracking - Collaborative account sharing ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | $12.99 | $12.99 | per month | | $49.99 | $49.99 | per year | ## Frequently asked questions about Saldar ### What debt payoff strategies does Saldar support? Saldar supports both the debt avalanche and debt snowball methods. You can compare them side-by-side to see how much interest each approach would save and how many months sooner you'd be debt-free. ### Does Saldar handle different types of debt? Yes, Saldar handles credit cards, mortgages, student loans, auto loans, personal loans, and HELOCs. It uses accurate calculations for each, including amortization for mortgages and daily-rate interest for revolving balances. ### Can I share my Saldar account with someone else? Yes, Saldar allows you to share an account with a partner or spouse. This ensures you are both working towards the same debt-free goal together. ### How does Saldar calculate interest savings? Saldar calculates your total interest cost across your entire debt portfolio and shows you how much you could save by making extra payments. It provides clear projections of your payoff date and balance over time. ### Is Saldar free to use? Saldar is free to download and use, with options for subscription plans. The app offers a 7-day free trial for its subscription tiers. ### What are the subscription plans for Saldar? Saldar offers subscription plans at $12.99 per month and $49.99 per year. Both plans include a 7-day free trial period. ### How often is Saldar updated? Saldar was last updated on June 11, 2026, with version 1.0.3. The app was released on the same date, indicating it is a relatively new application. ### Does Saldar have ads? No, Saldar is ad-free. The app description explicitly states 'No ads. No upsells. No overwhelming dashboards full of things you don't need.' ## Version history (last 4 releases) ### 1.1.2 — 2026-08-14 What's new: - Fixed a bug with leftover biometric data causing new users to need to sign in first. - Cashflow will allow for negative numbers if that is the case. ### 1.1.1 — 2026-08-09 -Fixed a bug with string resources with double percent signs. ### 1.1.0 — 2026-07-30 --- What's new: - Saldar now has a free tier. Add as many debts as you want during setup, and your first two stay unlocked forever. Subscribe when you want the full multi-strategy comparison, windfall modeling, and shared-account features. - Two new subscription options at $5.99 per month and $39.99 per year. - The Expenses tab shows your total monthly expenses at the top and keeps it in sync as you add, edit, or delete items. - Checking transactions have a Newest / Oldest sort toggle so you can flip the order at any time. - Search on the Accounts screen now filters bank transactions and monthly expenses, not just debts. Improvements: - Add Debt on iPhone: the keyboard closes properly when you tap a date field or the Debt Type dropdown, and the Save button now lives in the top bar where it is easier to reach with one hand. - The compact Accounts screen has a dedicated search icon in the top bar, and the sort control sits inline under the filter chips. - Add Payment and Add Charge buttons on the debt detail screen no longer wrap onto two lines. - Settings on tablet and larger screens: the Financial Overview card stacks Monthly Income and Payoff Goal for a cleaner layout, and the Appearance picker shows System, Light, and Dark on their own rows instead of squishing the labels. - The Saldar app logo replaces the generic award icon on the paywall. - Cleared out a placeholder Premium Plan card from Settings that never reflected your real subscription status. - Removed the Daily Wisdom quote card from the Dashboard and the extra Payoff Strategy note from Add Debt to keep the main screens focused. - Nav rail taps from the Manage Windfalls screen respond immediately instead of firing after you go back. Fixes: - Transactions logged on the same day are now ordered consistently instead of jumping around after refresh. - Fixed a rare crash that could happen when dismissing a dialog on iPad. ### 1.0.3 — 2026-06-11 No release notes. ## More apps by Benjamin Morris-Rains - [Smart Chore Chart](https://appshunter.io/ios/app/smart-chore-chart/id6751822805) - [PressurePic](https://appshunter.io/ios/app/pressurepic/id6752318993) - [Gambulance: Addiction Tools](https://appshunter.io/ios/app/gambulance-addiction-tools/id6752622669) All apps by Benjamin Morris-Rains: https://appshunter.io/developer/1835552442 --- *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 2026-08-19.*