# SnowballPay: Debt Payoff — Snowball your way to zero

> Snowball your way to zero (iPhone/iPad app by InnovaLabWorks.)

- Source: https://appshunter.io/ios/app/snowballpay-debt-payoff/id6788604906 (this page in markdown: same URL + `.md`)
- Developer: [InnovaLabWorks](https://appshunter.io/developer/1888514726)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 2 MB
- Languages: American English, French (France)
- Released: 2026-07-14
- Data updated: 2026-08-14
- User reviews in markdown: https://appshunter.io/ios/app/snowballpay-debt-payoff/id6788604906/reviews.md

## What is SnowballPay?

SnowballPay turns a pile of debts into a plan you can see finishing. Enter each debt with its current balance, rate, minimum, and due day. Set how much extra you can put toward debt each month, then see how the plan unfolds.

SNOWBALL OR AVALANCHE

Compare two payoff strategies on one screen. Snowball clears the smallest balance first for a motivating early win. Avalanche targets the highest rate first to reduce projected interest. SnowballPay shows the projected payoff date and total interest for both so you can understand the tradeoff.

TEST A LITTLE EXTRA

Use the what if lab to see how another monthly amount could change the timeline. Move the slider, compare the projected time and interest saved, then apply the amount when it fits your budget.

KNOW WHAT CLEARS NEXT

The payoff timeline shows the projected month for every debt. Due days appear together on Progress, and optional private reminders can help you remember the next payment.

PAYMENTS THAT MOVE THE PLAN

Log a payment and the balance drops right away. Repeat the last payment in one tap, or correct an amount, date, or note later. Progress rings, milestones, recent payments, a six month insights chart, and payment streaks make momentum visible.

CHARTS, EXPORTS, AND BACKUP

Watch the projected balance fall to zero. Create a payoff plan PDF and a month by month CSV schedule. Export a private JSON backup with debts, payments, due days, and plan settings, then merge it back without deleting existing records.

FREE AND PRO

Free tracks up to two debts and keeps payment logging, corrections, due day tracking, progress rings, milestones, the snowball order, and private backup available. Pro adds unlimited debts, detailed payoff projections, strategy comparison, what if scenarios, the payoff timeline, payment insights, reminders, the payoff chart, and PDF and CSV exports.

The purchase screen shows the current localized price and billing period before confirmation. A monthly or yearly subscription unlocks Pro for the selected period and renews automatically until cancelled. The lifetime option is a one time purchase.

PRIVATE BY DESIGN

Your financial entries stay on this iPhone. SnowballPay requires no account, bank connection, advertising profile, or analytics tracking. The support form sends only what you choose to submit.

A PLANNING TOOL, NOT FINANCIAL ADVICE

SnowballPay projects a payoff from the numbers you enter. Results are estimates and may differ from lender statements. Check your statements for exact figures and speak with a qualified professional about your situation.

Manage or cancel a subscription in Settings > Apple Account > Subscriptions. Cancellation applies at the end of the current billing period.

Privacy Policy: https://ino50-forms.admin-cloudflare-fa0.workers.dev/a/snowballpay/privacy

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| SnowballPay Pro | $5.99 | per month |
| SnowballPay Pro | $34.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| SnowballPay Lifetime | $79.99 | one-time |



## Version history (last 2 releases)

### 1.2 — 2026-07-18

Plan with more confidence using a new what if extra payment lab, a debt by debt payoff timeline, six month payment insights, due day tracking, monthly reminders, editable payment history, repeat payment, and private JSON backup and restore.

### 1.0 — 2026-07-14

No release notes.

## Apps similar to SnowballPay

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Savings Challenge: Savvy Goals](https://appshunter.io/ios/app/savings-challenge-savvy-goals/id6746079977) | 4.7 (93) | Free | Finance |
| [Envy: Envelope Budget Planner](https://appshunter.io/ios/app/envy-envelope-budget-planner/id1569230951) | 4.8 (791) | Free | Finance |
| [Changed: Automate Debt Payoff](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383) | 4.6 (5,400) | Free | Finance |
| [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance |
| [M1: Invest & Bank Smarter](https://appshunter.io/ios/app/m1-invest-and-bank-smarter/id1071915644) | 4.7 (74,074) | Free | Finance |
| [Split - Budget & Track Bills](https://appshunter.io/ios/app/split-budget-and-track-bills/id1665062249) | 4.5 (4) | Free | Finance |

## More apps by InnovaLabWorks

- [AI Resume Builder & CV: Curriq](https://appshunter.io/ios/app/ai-resume-builder-and-cv-curriq/id6761641412)
- [Ice Dynasty](https://appshunter.io/ios/app/ice-dynasty/id6782836208)
- [LeasePace: Car Lease Mileage](https://appshunter.io/ios/app/leasepace-car-lease-mileage/id6785332761)
- [Rangeline: LSD & Land GPS](https://appshunter.io/ios/app/rangeline-lsd-and-land-gps/id6786482063)
- [QuotePad: Fast Job Quotes](https://appshunter.io/ios/app/quotepad-fast-job-quotes/id6788064274)
- [MileMark: Mileage Log](https://appshunter.io/ios/app/milemark-mileage-log/id6788065190)

All apps by InnovaLabWorks: https://appshunter.io/developer/1888514726

---

*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.*