Thaw: Debt Payoff Planner

Private by design: your plan syncs through your own iCloud. We collect nothing — no bank login, no account, no ads. See your debt-free date in about a minute. Enter your debts, pick snowball or avalanche, and Thaw tells you exactly what to pay next. Add your debts, record payments, and see your balances and estimated debt-free date in one clear place. MAKE PROGRESS VISIBLE • Track balances, APRs, minimum payments, and due dates. • Log payments and review your history. • See estimated payoff progress and interest avoided. • Set payment reminders if you choose. • Check Thaw’s estimated balance against your lender’s balance. PLAN YOUR NEXT MOVE • Compare avalanche and snowball strategies. • Explore extra-payment scenarios in What If? • See what to pay next and plan toward a target date with Thaw Pro. START FREE The free tier covers unlimited debts; Thaw Pro adds target-date planning, advanced What-If scenarios, and personal payment coaching. Log payments, use reminders, and watch your progress without a time limit. GO FURTHER WITH THAW PRO Thaw Pro unlocks more flexible What If? scenarios, target-date planning, personal payment coaching, payment reminders for all debts, and more. Your plan syncs privately through your own iCloud — delete the app, switch phones, and your debts are right where you left them. Everything lives in your private iCloud database; we can't see it, and we collect nothing. No bank connection is required. Balances, interest savings, and payoff dates are estimates based on the information you enter. Actual results may vary. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/