See your debt-free date.

Plan your way out of debt with the snowball and avalanche methods. Track progress, save in interest, stay motivated.

Get it on the App Store

How it works

1. Add your debts

Credit cards, loans, overdrafts — anything you owe. Name, balance, interest rate, minimum payment.

2. Choose your strategy

Snowball (smallest balance first — fast wins) or Avalanche (highest interest first — least interest paid).

3. Watch the date move

Every payment moves your debt-free date closer. See the math live, every time.

What you get

Snowball & avalanche strategies — switch any time, no progress lost.
Extra payment simulator — see exactly how much faster you'd be debt-free if you paid £50 more a month.
Milestone celebrations — at 25%, 50%, 75%, and the day you're done. Share them.
Home Screen widget — your debt-free date, always one glance away.
Privacy by design — every debt and payment lives on your device. No account, no bank login, nothing leaves your phone.
50+ currencies — works wherever you are.

Pricing

Free — up to 2 debts, debt-free date, payment logging £0

Weekly Premium — everything, 3-day free trial £3.99/week

Annual Premium — everything, save with annual billing £19.99/year

Less than one month's interest on most credit cards. Cancel any time in your Apple ID settings.

FAQ

What's the difference between snowball and avalanche?

Snowball pays off the smallest balance first — you get a win quickly and stay motivated. Avalanche pays off the highest interest rate first — you pay the least in interest overall. The app shows both side-by-side so you can pick.

Is my data safe?

Everything lives on your device. We have no servers that see your debts. No account, no bank login.

Can I use this for any type of debt?

Yes — credit cards, personal loans, car loans, student loans, medical bills, overdrafts, store cards. Anything with a balance, an interest rate, and a minimum payment.

What currencies are supported?

50+. The app picks your locale's currency by default; change it in Settings.

What happens when I pay off a debt?

The app celebrates and re-runs the math. If you're using snowball, the freed-up payment automatically rolls into the next debt — which is what makes the strategy work.

Can I cancel my subscription?

Any time, in Settings → Apple ID → Subscriptions on iPhone, or at support.apple.com/HT202039.