# Thaw: Debt Payoff Planner — Snowball & Avalanche Plans

> Snowball & Avalanche Plans (iPhone/iPad app by D2 Rental LLC.)

- Source: https://appshunter.io/ios/app/thaw-debt-payoff-planner/id6817461878 (this page in markdown: same URL + `.md`)
- Developer: [D2 Rental LLC](https://appshunter.io/developer/6817462060)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 6 MB
- Languages: American English
- Released: 2026-10-31
- Data updated: 2026-11-06
- User reviews in markdown: https://appshunter.io/ios/app/thaw-debt-payoff-planner/id6817461878/reviews.md

## What is Thaw?

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/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Thaw Pro Monthly | $4.99 | per month |
| Thaw Pro Annual | $49.99 | per year |


## Is Thaw safe?

Not enough ratings yet to assess Thaw.

## Is Thaw legit?

Thaw: Debt Payoff Planner has limited verification signals. The AppsHunter Legitimacy Score for Thaw is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/thaw-debt-payoff-planner/id6817461878/reviews.md

### 5/5 — Big help, easy to use

*2026-11-04*

User friendly app! So easy to track all debts. The ability to pick a debt free date and extra payments features are amazing! Well done

## Version history (last 3 releases)

### 1.2 — 2026-11-06

• New home-screen widget: your total debt, progress, and debt-free date at a glance
• The free tier now covers unlimited debts — Pro is about depth, not counting
• Payment streaks on Home keep your momentum visible
• Milestone celebrations now include a shareable card

### 1.1 — 2026-11-04

New in 1.1: your plan now syncs privately through your iCloud, so deleting the app or switching phones no longer wipes your debts. Paid off your last debt? There's a proper debt-free celebration now, and Home keeps a lifetime total of everything you've paid off.
Also: Thaw now runs on iOS 17 and later, Home has a refreshed look, and paid-off progress is calculated correctly.

### 1.0 — 2026-11-01

No release notes.

## Related topics

[debt payoff pro](https://appshunter.io/ios/topics/debt-payoff-pro)

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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 2026-11-06.*