PayoffPilot vs Debt Descent

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.

Debt Descent shows you exactly when you'll be debt-free. Enter your real balances and APRs, and it lays out your payoff plans side by side so you can see which one gets you there faster and cheaper. I built it while paying down my own debt, and the features are the ones I needed myself. Add your debts and the extra you can pay each month, and Debt Descent runs both standard methods at once: - Snowball: pay off the smallest balance first for quick wins - Avalanche: pay off the highest APR first to save the most interest You get real numbers: - Your debt-free date and payoff time for each method - Pick a debt-free date and see the extra it takes - Total interest, total paid, and what each method saves, side by side - A "descent to zero" chart that plots every balance falling to zero - What's left over: add your take-home pay (or read it from a paystub) and the bills outside the plan, and see what's really left each week, month, and year It also handles the parts of real life that get in the way of a plan: - Windfalls: add a future bonus or tax refund and watch your payoff date move up - Pay weekly, every two weeks or twice a month: each debt follows its own payment schedule - Paydays and bills: see which paycheck covers each payment and bill, and whether what's in the bank covers what's due before the next one - Autopay: debts and bills on autopay log themselves - Skip or defer a month's payment, and see what it costs before you do - Save up for a purchase, and see what charging it would cost instead - Refinance and consolidation: model a balance transfer, a loan, or new rates per account, then apply the deal in one step - Payment groups: log one monthly payment that covers several debts and it splits to the cent - Promo and deferred-interest tracking, with a notification before a 0% intro APR ends - Per-debt amortization schedules and "Test a payoff" what-ifs - Payment logging that shows whether you're ahead of the plan or behind - Due-date notifications you can log a payment from, a payday notification, and calendar (.ics) export - Siri, Shortcuts, Spotlight and widgets: ask when you'll be debt-free, or log a payment by voice or from the medium widget - A "Track only" option for balances you want to watch outside the plan - Built for accessibility: Dynamic Type up to the largest sizes, and VoiceOver reads each field and row by name Adding a card takes seconds: - Scan a paper statement with the camera or open a statement PDF, and Debt Descent reads the balance, APR, any intro rate, minimum, and due date for you - Or import and export your whole plan as JSON or PDF Sync and privacy: - iCloud sync keeps your debts, payments, and plan up to date across iPhone, iPad, and Mac. It's automatic and free. - There's no account, no sign-up, and no server on my end. Your data lives on your device and in your own private iCloud, where I can't see it. - There's no bank linking. You type your balances or point the camera at a statement, and nothing connects to your accounts. - Statements are read on your device. Nothing is uploaded. - Lock the app with Face ID, hide your numbers on a shared screen, and get a weekly backup in your iCloud Drive. Debt Descent is free to use: add your debts, run Snowball and Avalanche, see your debt-free date, track payments and progress, pay on your own schedule, track bills by paycheck, put debts on autopay, skip or defer a payment, see what's left over after debt and bills, share your progress card, read a statement on your device, and export your payments as a CSV. A one-time Pro upgrade ($14.99, unlocks on all your devices and, with Family Sharing, your family's; no subscription) adds five more payoff methods including a custom order you set yourself, the what-if slider and per-debt payoff tests, picking your debt-free date, windfalls, refinance modeling, amortization schedules, PDF and calendar export, and due-date, payday and promo notifications.