Debt Payoff Planner

Debt Payoff Planner takes privacy seriously in a way few finance apps bother with: there’s no login, no account creation, and no data sent to a server, since everything runs locally on your device. For anyone uneasy about handing debt details to yet another company with a server somewhere, that’s a real point in its favor, though it also means there’s no syncing your plan across multiple devices through an account.

The app’s main feature is putting snowball and avalanche side by side so you can see exactly how much time and interest each method would cost you with your actual balances, rather than taking either approach on faith. It marks payoff-date milestones for each debt along the way, which gives a clearer sense of progress than a single end date months or years out. Pricing runs in tiers, roughly $3 a month for Basic, $6 for Complete, and $12 for Premier, with higher tiers tracking more debts and adding deeper reporting. It fits anyone who wants a clear, private comparison of the two payoff strategies without an account hanging over their data.