PayoffPilot vs Debt Snowball Payoff Tracker

Get out of debt with a plan you can actually see. PayoffPilot compares the two proven payoff strategies — Snowball and Avalanche — side by side with your real numbers, shows you exactly when you'll be debt-free, and tracks every payment along the way. NO SUBSCRIPTION. NO ACCOUNT. NO ADS. Your financial data never leaves your phone. Nothing is collected, nothing is shared. The optional Pro upgrade is a single one-time purchase — not another monthly bill (you're here to get rid of those). FREE FOREVER • Track unlimited debts — credit cards, auto loans, student loans, mortgages, and more • Snowball vs. Avalanche comparison with your debt-free date • See interest savings and time saved between methods • Log payments and watch balances fall • Milestones that celebrate real progress • Payment reminders so due dates never sneak up • Face ID / Touch ID app lock • Full dark mode PAYOFFPILOT PRO — PAY ONCE, KEEP IT FOREVER • Scenario Simulator: test extra monthly payments and one-time windfalls before you commit real money • PDF reports: export your full payoff plan to share or print • Complete comparison detail: per-method breakdowns, interest charts, and payoff timelines HOW IT WORKS 1. Add your debts — balance, rate, minimum payment 2. Set your monthly budget 3. Pick your strategy and follow the plan Snowball pays smallest balances first for quick psychological wins. Avalanche pays highest interest first to save the most money. PayoffPilot shows you both — with real dollar amounts — so you choose with your eyes open. Built by an independent developer. No venture capital, no data harvesting, no dark patterns. Just a tool that wants you debt-free.

Pay off debt faster and know the exact day you'll be debt-free. Debt Payoff Planner turns every loan and credit card into one clear, month-by-month payoff plan — so you finally see the finish line instead of guessing. Most debt apps just track balances. This one actually builds the plan: it orders your debts into the smartest sequence, rolls each cleared minimum into the next balance, and shows how a few extra dollars a month erase months of payments and hundreds in interest. Snowball for momentum, avalanche for savings — compare both side by side in seconds. WHAT YOU GET - A full month-by-month payoff schedule with your exact debt-free date - Snowball method that crushes the smallest balance first for fast, motivating wins - Avalanche method that targets the highest interest rate to save the most money - An instant compare showing how much interest each method saves you - A what-if slider that models extra payments and re-draws your finish line live - Monthly payment reminders so you never miss a due date — fully offline PERFECT FOR - Anyone juggling multiple credit cards or loans at once - Students and grads tackling student-loan balances - Couples building a shared plan to become debt-free - People who tried budgeting apps but never saw a real payoff date WHY NOT JUST USE A SPREADSHEET Spreadsheets don't roll freed-up minimums into the next debt, re-order by method, or update your debt-free date the moment you add an extra payment. Debt Payoff Planner does all of it automatically, with plain-English guidance drawn from U.S. CFPB and Federal Reserve consumer-credit resources. PRIVACY Every number stays on your device. No bank logins, no accounts, no ads, no tracking — ever. FULL ACCESS The app is free to add your debts and see your first plan. Premium unlocks the complete experience — the avalanche method, interest-saved compare, the full month-by-month schedule, and what-if extra-payment modeling — through one of these options: - Weekly subscription - Yearly subscription - Lifetime one-time purchase Subscriptions renew automatically unless canceled at least 24 hours before the period ends; manage or cancel anytime in your App Store account settings. The lifetime option is a single purchase with no renewal. Add your first debt today and see exactly when you'll be free. Terms of Use (EULA): https://web-levi.web.app/terms Privacy Policy: https://web-levi.web.app/privacy-policy Questions? Contact tphuc.work@gmail.com