Debt Snowball vs Payoff Path

Five balances, five minimum payments, no idea which one to attack first. Debt Snowball turns the pile into one ordered payoff plan with a debt-free date on the front page — and shows exactly how much interest that plan costs before you commit to it. Most debt apps hand you an order and cheer. Debt Snowball shows its arithmetic. Every figure — the finish date, the interest total, the month each debt clears — is computed from the balances, APRs and minimum payments you enter, and recomputed the moment you record a payment. And when a plan cannot work, it says so: if your minimums do not even cover the monthly interest, you get a plain-language warning and the exact gap to close instead of a fantasy date. WHAT YOU GET • A debt-free date, not a vibe — "Mar 2029" computed from your real numbers, waiting on the plan page every time you open the app • Snowball order puts the smallest balance first, so your first cleared debt arrives in weeks — and its freed minimum rolls into the next one automatically • Avalanche order attacks the highest APR first; the side-by-side comparison prices both orders in your currency, so you choose with numbers, not slogans • Drag the extra-payment slider and watch the finish line move — the projection chart redraws the whole descent to zero as you slide • An honest red flag when a minimum does not cover its own interest, naming the debt that is quietly growing and what stops it • Due-date reminders three days before each payment, a payment history on every debt, and one-tap CSV export of everything you have entered PERFECT FOR • Anyone juggling several credit cards who wants one ordered plan instead of five separate due dates • Snowball method followers who want the rollover math done for them every month, without a spreadsheet • Rate minimisers who want avalanche's interest savings proven on their own balances before switching • Anyone who refuses to hand a debt app their bank login just to make a plan WHY NOT JUST A SPREADSHEET? A spreadsheet can model a snowball — until a debt clears mid-month, its minimum has to cascade, the final instalment is partial, and one wrong cell quietly shifts your date by a year. Debt Snowball runs the full amortisation month by month, applies each freed minimum exactly once, and never overpays a closing balance. You record a payment; everything downstream updates itself. PRIVATE BY DEFAULT No account, no bank connection, no server. Debts, payments and settings live in on-device storage and never leave your phone. Reminders are local notifications. Export to CSV whenever you want; delete the app and the data is gone — there is no copy anywhere for anyone to hold. FULL ACCESS Debt Snowball Pro is the whole app: as many debts as you have, the avalanche order, the side-by-side strategy comparison and the month-by-month projection chart. There is no free tier — choose weekly, yearly, or a one-time lifetime purchase. Add your first balance tonight and see your debt-free date before you put the phone down. SUBSCRIPTIONS Weekly and Yearly are auto-renewing subscriptions; Lifetime is a one-time, non-renewing purchase. The price and the period are shown on the purchase screen before you buy and are charged to your Apple ID at confirmation. A subscription renews automatically unless auto-renew is turned off at least 24 hours before the current period ends, and the renewal is charged within 24 hours of the period end. Manage or cancel anytime in Settings > your Apple ID > Subscriptions. Terms of Use: https://leanstudio.asia/terms-of-use Privacy Policy: https://leanstudio.asia/privacy-policy Support: support@leanstudio.asia

Keep every loan, credit card and line of credit in one place, and find out exactly when you'll be debt-free. Enter your monthly budget and the app simulates your payoff with daily interest calculations. It also tells you ahead of time whether your cash will last until payday. There's no limit on the number of loans, and all the calculations and records are free. ■ Will it last until payday? (Premium) • Home shows whether your cash will last until your next payday, with an alert 3 days before you're likely to run short • Forecast balances per account (bank, cash, e-wallet), credit card bills and installment plans together • An "Until payday" widget, and export to the iPhone Calendar ■ Home • Total balance, progress, this month's payments, payoff date and the interest still to come, at a glance • A checklist for this month: target, paid so far and what's left for each loan • Balance breakdown (pie chart) and balance over time (actual and forecast) ■ Payoff simulation • Set a total monthly payment and compare "minimums only", "highest rate first" (avalanche) and "smallest balance first" (snowball) • When a loan is paid off, its payment automatically rolls over to the others • Add extra in bonus months, or work back from a target date to find the monthly amount you need • Compare with refinancing or consolidating ■ Payment history • Record payments for several loans at once, and correct interest or balance to match your statement • Handles additional borrowing and balance adjustments • Reports show how your balance changed over any period, split into principal and interest ■ Payment calendar • See due dates, payments made, overdue items and new borrowing month by month • Due dates that fall on a weekend can move to the previous or next business day ■ Flexible terms • Promotional (introductory) rates and rate changes • Payments on a fixed day each month, or every 35 days • Works with your local currency ■ Private by design • Your data stays on your device (iCloud sync only if you turn it on) • Face ID lock, due date reminders, home screen widget • Backup export and restore • Lock screen widgets • Export your history and payoff plan as CSV • Milestone celebrations at 25%, 50% and 75% paid ■ Premium (one-time purchase) • Removes ads • Cash flow calendar: add your salary and bills to see whether you'll have enough on each due date • Home and widget show whether your cash lasts until payday, with an alert 3 days before you run short • Balances per account, credit card bills and installment plans • Save and compare payoff scenarios, including one-off extra payments • A printable PDF of your loans and payoff plan • Milestone cards • Export due dates and planned income/expenses to the iPhone Calendar • Alternative app icons that don't look like a debt app • Import planned expenses into the monthly payment memo ※ Results are estimates. Check your actual interest and amounts due with your lender. ※ This app does not recommend borrowing or refinancing.