Support

Debt Payoff: Snowball Plan

Need help?
Email us at info@appharbour.com — we read every message and usually reply within a working day.

Quick start

Add your debts. Open the Debts tab and tap the + button (or "Add debt"). Enter each debt's name, type, balance, interest rate, minimum payment, and due day.
Pick a strategy. In the Strategy tab choose Snowball (smallest balance first — fast wins), Avalanche (highest interest rate first — least interest paid) or Custom (the order you added your debts). You can switch any time without losing data.
See your debt-free date. The Overview tab shows when you'll be done, and how much interest you'll pay along the way.
Log payments as you go. Each payment lowers the balance and updates your plan. Milestones appear in the Wins tab.

FAQ

My debt-free date seems wrong

Double-check each debt's interest rate (entered as an annual percentage, e.g. 19.9 for 19.9% APR, not 0.199) and minimum payment. If the minimum payment is less than the monthly interest, the balance never goes down and the projection runs to the app's 50-year limit. Increase the minimum payment (or add an extra payment) to get a real date.

How do I record a payment?

In the Debts tab, swipe left on a debt and tap "Log payment". Enter the amount and an optional note. Premium users can see how an extra monthly payment changes the plan in the Boost tab.

How do I change my currency?

Settings → Currency. The app supports 50+ currencies and starts with your device region's currency. You can change it in Settings at any time.

I paid off a debt — what now?

The app marks the milestone and re-runs the calculation. The minimum you were paying on the cleared debt rolls into the next one in your plan (this is what makes the snowball work). Open the Strategy tab to see the updated numbers.

Can I edit a debt after adding it?

Yes. Tap the debt in the Debts list to edit its name, type, balance, interest rate, minimum payment, and due day. Swipe left to delete it.

Subscription & billing

What's free vs premium?

Free: up to 2 debts, all three strategies (snowball, avalanche, custom), your debt-free date, payment logging, and milestones. Premium unlocks unlimited debts, the side-by-side strategy comparison, and the extra-payment forecast. Premium is a weekly subscription with a 3-day free trial, or an annual subscription.

How do I restore my purchase?

Open Settings → Upgrade to Premium and tap Restore Purchases. Use the same Apple ID you subscribed with.

How do I cancel my subscription?

iOS handles all subscription management. Open Settings → [your name] → Subscriptions on your iPhone or iPad, tap Debt Payoff, and choose Cancel. Or use Apple's direct link: support.apple.com/HT202039.

I had a problem with my subscription

Most subscription issues (charges, refunds, restored purchases) need to go through Apple — we don't have access to your billing. Apple's refund page: reportaproblem.apple.com. After you've contacted Apple, email us at info@appharbour.com if you'd like us to follow up on the app side.

Enjoying the app?

A quick App Store review really helps a small studio like ours. If something isn't working, please email us first — we'd rather fix it than read a one-star review.