Snowplan: Debt Payoff Planner

See your exact debt-free date in under a minute. Snowplan turns your credit cards and loans into a clear, step-by-step payoff plan using the proven snowball or avalanche method - and shows exactly how much interest every extra dollar saves you.

No subscription. No account. No bank linking. Pay once, own it forever, and your financial data never leaves your device.

WHY SNOWPLAN
- Pay once - no subscription, ever
- 100% private and offline - no account, no bank linking, no tracking
- Accurate per-APR math you can trust
- Built for the debt snowball and debt avalanche methods

PLAN YOUR PAYOFF
- Add each debt with its balance, APR, and minimum payment
- Set one monthly budget - Snowplan builds the whole schedule
- See your debt-free date and total interest instantly
- Watch your balance fall on a clear projection chart

CHOOSE YOUR STRATEGY
- Snowball - clear the smallest balance first for quick, motivating wins
- Avalanche - attack the highest APR first to pay the least interest
- Custom - pay debts off in the order you choose
- Compare snowball vs avalanche side by side (Pro)

STAY ON TRACK
- Log payments and watch your progress grow
- Month-by-month payment schedule to your debt-free date
- Optional monthly payment reminder (Pro)
- Export your data anytime as JSON

FREE & PRO
Free includes up to 3 debts and a 12-month schedule preview. Snowplan Pro - a one-time purchase - unlocks unlimited debts, the full payoff schedule, strategy comparison, and reminders.

Snowplan is a planning tool and does not provide financial advice.