PocketGuard

PocketGuard combines budgeting with a built-in debt payoff calculator that lets you model multiple strategies side by side. You can enter your debts and see how the snowball method (smallest balance first) stacks up against the avalanche approach (highest interest first). The app shows payoff timelines and total interest paid for each method, making the financial difference clear.

Ideal for people torn between payoff strategies or wanting to run numbers before committing to a plan. Unlike single-method tools, PocketGuard's strength is comparison, so you're not locked into one philosophy. The broader budgeting features help track progress across your whole financial life, not just debt reduction.