SnowballPay: Debt Payoff

SnowballPay turns a pile of debts into a plan you can see finishing. Enter each debt with its balance, rate, and minimum, set how much you can put toward debt each month, and SnowballPay works out the whole payoff month by month: which debt to hit, when each one clears, and the date you are finally debt free. SNOWBALL OR AVALANCHE, SIDE BY SIDE Two proven strategies, compared on one screen. Snowball clears your smallest balance first for a quick win that keeps you going. Avalanche targets your highest rate first to pay the least interest. SnowballPay shows the projected debt free date and the total interest for both, so you can see the tradeoff and pick with your eyes open. A PROJECTED DEBT FREE DATE Set your monthly budget as your minimums plus whatever extra you can add. SnowballPay rolls each cleared debt's payment into the next, the way a real snowball builds, and gives you a firm date and a total interest figure. Add a little more each month and watch the date pull in. PAYMENTS THAT MOVE THE NEEDLE Log a payment and the balance drops right away. A progress ring fills for every debt and one for your whole plan, so you always know how far you have come. Milestones mark the moments that matter: a quarter paid, halfway there, three quarters gone, each debt cleared, and the day every balance hits zero. A PAYOFF CHART YOU CAN KEEP Watch your total balance fall to zero on a clean line chart. Export a payoff plan PDF with your order and dates to print or keep, and a month by month schedule CSV for a spreadsheet. FREE AND PRO Free tracks up to two debts, logs payments, shows your progress rings and milestones, and previews the snowball order. SnowballPay Pro tracks unlimited debts and unlocks the projected debt free date, the snowball versus avalanche compare, the payoff chart, and CSV and PDF export. Pro is $5.99 USD per month, $34.99 USD per year, or a one time lifetime purchase of $79.99 USD. PRIVATE BY DESIGN Everything stays on your iPhone. No account, no cloud, no bank linking, no tracking, and the privacy label is simply Data Not Collected. A PLANNING TOOL, NOT FINANCIAL ADVICE SnowballPay projects your payoff from the numbers you enter. It does not give financial advice. Check your real statements for exact figures and talk to a qualified professional about your situation. SUBSCRIPTION DETAILS Pro subscriptions renew automatically until cancelled. Payment is charged to your Apple Account at confirmation. Cancel anytime in Settings > Apple Account > Subscriptions; cancellation applies at the end of the current period. The lifetime option is a one time purchase, not a subscription. Terms: Apple Standard EULA https://www.apple.com/legal/internet-services/itunes/dev/stdeula/