Debt Descent: Payoff Planner

About this app

Debt Descent shows you exactly when you'll be debt-free. Enter your real balances and APRs, and it lays out your payoff plans side by side so you can see which one gets you there faster and cheaper. I built it while paying down my own debt, and the features are the ones I needed myself. Add your debts and the extra you can pay each month, and Debt Descent runs both standard methods at once: - Snowball: pay off the smallest balance first for quick wins - Avalanche: pay off the highest APR first to save the most interest You get real numbers: - Your debt-free date and payoff time for each method - Total interest and total paid, side by side - How much interest you save by picking one method over the other - A "descent to zero" chart that plots every balance falling to zero - A monthly budget breakdown: minimums vs. your extra, interest vs. principal - What's left over: add your take-home pay and the bills outside the plan — rent or mortgage, insurance — and see what's really left each week, month, and year It also handles the parts of real life that get in the way of a plan: - Windfalls: add a future bonus or tax refund and watch your payoff date move up - Refinance and consolidation: model a balance transfer, a loan, or new rates per account, then apply the deal in one step - Payment groups: log one monthly payment that covers several debts and it splits to the cent - Promo and deferred-interest tracking, so a 0% intro APR doesn't surprise you when it reverts - Per-debt amortization schedules and "pay this down now" what-ifs - Payment logging that tracks your real progress against the plan, so you know if you're ahead or behind - Due-date reminders and calendar (.ics) export - A shareable progress card in feed, square, and story sizes Adding a card takes seconds: - Scan a paper statement with the camera or import a statement PDF, and Debt Descent reads the balance, APR, minimum, and due date for you - Or import and export your whole plan as JSON Sync and privacy: - iCloud sync keeps your debts, payments, and plan up to date across iPhone, iPad, and Mac. It's automatic and free. - There's no account, no sign-up, and no server on my end. Your data lives on your device and in your own private iCloud, where I can't see it. - Statement reading happens on your device with PDFKit, Vision, and Apple Intelligence. Nothing is uploaded. Debt Descent is a native app for iPhone, iPad, and Mac, and one purchase covers all three. Debt Descent is free to use: add your debts, run Snowball and Avalanche, see your debt-free date, track payments and progress, see what's left over after debt and bills, share your progress card, and import a statement on your device. A one-time Pro upgrade ($14.99, unlocks on all your devices, no subscription) adds five more payoff methods including a custom order you set yourself, the what-if slider and per-debt payoff tests, windfalls, refinance modeling, amortization schedules, PDF and calendar export, and due-date reminders.

A cleaner, clearer app • Input fields have a stronger outline and every button is blue, so what you can type into and what you can tap is obvious at a glance. • Each debt now leads with its payoff date, and this month's payment shows its breakdown right beneath it. • Recording a payment, adding a windfall, and logging a group payment share one layout: amount and date on one line. • The Payments and Progress tabs use one consistent type size throughout. Plus small spacing and alignment fixes everywhere.

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Sep 4, 2026 · 6:14 AM Free