DelDebt: Debt Payoff Planner

About this app

DelDebt turns a pile of debts into a clear payoff plan: a debt-free date, total interest, and exactly how much every extra dollar saves. FIVE PAYOFF METHODS Snowball (smallest balance first), avalanche (highest APR first), blizzard, cash flow and your own custom order. DelDebt computes them all on your numbers and shows the interest difference - switch in one tap. THE DEBT MOUNTAIN Your whole plan on one interactive chart: each debt is a colored layer that melts away month by month. Drag across it to see any month - payment, remaining balance, and the debts that close. PAYMENT REMINDERS THAT RESPECT WEEKENDS Set a due day for each debt and DelDebt shifts reminders to the last business day before it. Export all payments to your calendar (.ics) with built-in alerts. TRACK YOUR PROGRESS Log payments, watch progress bars fill, keep a month streak going, and see your payment history by month. TIPS FOR YOUR DEBTS The calculator checks your list against a couple dozen common situations - the minimum payment trap, an expensive rate, payday loans, prepaying to shorten the term, the effect of an extra payment or a bonus - and shows the ones that matter most, with your numbers. Every amount and date comes from the same engine that builds your plan. PRIVATE BY DESIGN No signup needed and no ads: the whole plan works on your device alone. An optional account adds two things - your debts sync across your devices, and tips look at your numbers. Debt names never leave your device. We never sell your data. FREE The payoff plan, the timeline, the payment calendar, the ledger, reading your bank's schedule from a photo or PDF, sync, one what-if scenario and one set of tips a month. Warnings about dangerous situations - payments that don't cover the interest, the minimum payment trap, a payday loan that isn't first in line - are always shown for free. PLUS SUBSCRIPTION Unlimited tips for your debts, up to three what-if scenarios side by side with your plan and a target date (how much extra to pay to make it), Excel export of your payoff schedule, and a monthly report: what you paid off, what you saved and your debt-free date. • "Plus (1 month)" — 1 month • "Plus (1 year)" — 1 year Subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the period. Payment is charged to your Apple ID on purchase confirmation. You can manage and cancel renewal in your Apple ID settings. This is a calculator and planner, not financial advice. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://deldebt.com/privacy

• Amounts no longer split from the currency sign, and labels in Payments by month are shorter. • A wider layout on tablets. • Updated privacy policy and minor fixes.

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1. First observed Oct 15, 2026 · 8:04 PM Free