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Debt Payoff App
A browser-based debt payoff app with snowball and avalanche plans, a debt-free date and extra-payment what-ifs. Works offline.
£12.59 on EtsyUK price, VAT included. Instant download, nothing is posted.
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.
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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 unless you turn on Sync or the usage count, so download a backup now and then
- The plan assumes your rates and minimums stay as they are: a guide, not financial advice
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