Debt Payoff App

Add what you owe, the rate and the minimum. The app works out the month you will be clear, the interest along the way, and how much sooner an extra amount each month gets you there. It is the Debt Payoff edition of our Calm Money budget app.

£12.59 on EtsyUK price, VAT included. Instant download, nothing is posted.

Buy on Etsy Try the free demo

Bought it already? Here's where your files are.

What it does

A debt-free date worked out month by month, with the minimum on everything and your extra going to the first debt
Avalanche (highest rate first) or snowball (smallest balance first); the plan, the order and the date follow your choice
What-if: type an extra amount to see how many months sooner you clear and how much less interest you pay
A payoff timeline of what you owe each month, with and without the extra
0% end dates: no interest is charged until the offer ends, with a warning of what will still be owed that day
Everything in Calm Money too, including Safe to spend, bills on any cycle, budgets, goals and a calendar

What you get

A Start here PDF: your private link to the full app, how to add it to your Home Screen, and how to bring your demo numbers across
A 14-page how-to guide PDF: every screen, step by step, with pictures
Lifetime updates, which arrive by themselves the next time you open it online
A personal licence for your own devices

Good to know

Try the free demo first: example numbers with four debts, one on a 0% balance transfer. A backup from the demo carries over
Works on phones, tablets and computers in any up-to-date browser; nothing to download from an app store; works offline once added to your Home Screen
No account, no bank connection, no subscription; your numbers stay on your device, so download a backup now and then
The plan assumes your rates and minimums stay as they are: a guide, not financial advice