Debt Payoff Planner

Everything is saved inside your browser on this device. Nothing is uploaded and there is no account, so no company holds a copy of your debt records. They are not encrypted, though: anyone who can use this device and browser can open them, so keep the device locked. Download a backup regularly (Settings → Data & backup → Back up now) and keep it somewhere as safe as the records themselves.

Yes. Open index.html and it runs fully offline. You can also host the folder on any website and choose “Install app” in Chrome or Edge to get a desktop or phone icon that works offline.

Yes. The layout adapts to phones and tablets with a bottom navigation bar. Each device keeps its own data, so use Back up / Restore to move records between devices.

Go to Settings → Data & backup → Erase records. Your business profile and settings are kept; all sample records are removed.

No. It is a calculator and a record book. Nothing in it is a recommendation about your money, your lenders or your contracts, and no outcome is promised. Every projection assumes the rates and payments you entered stay exactly as entered until the debt is gone. If a debt is causing you real trouble, a non-profit debt counsellor will be worth more to you than any app.

One month is one step. At the start of each step every debt is charged interest on the balance it is carrying: balance × (APR ÷ 100 ÷ 12), rounded to the cent the way a statement rounds it. That interest is added to the balance, then the month’s payments come off — every minimum first, and whatever is left of the monthly budget on the one debt at the top of your order. The monthly budget is held level, so each time a debt clears its minimum joins the extra payment. The whole method is written out on screen under Settings → How it is worked out.

Because lenders vary and the app says which parts it does not model. Some compound daily rather than monthly. Most recalculate a card minimum as the balance falls, where the app holds the minimum you entered. Fees, insurance, promotional rates that run out, interest-free periods, over-limit charges and interest on new spending are all left out. Treat the dates as a plan to work to, not a promise, and put your own numbers in when a statement disagrees.

Avalanche costs less — always, by the arithmetic — because it clears the highest rate first. Snowball clears your first debt sooner, which some people need in order to keep going. The comparison page puts both on your own figures and tells you exactly what the quicker first win costs you in interest. Sometimes it is hundreds of dollars and sometimes it is a rounding error; either way you get to decide, and the app does not decide for you.

The app flags that debt in red on the list and on the dashboard, because the balance would barely move on the minimum alone. If the whole plan is in that position — the total budget is less than the total interest — no payoff date is given at all and the app says why, instead of printing a date that cannot happen.

Yes, and that is the point. A logged payment moves the balance by whatever was not interest, and every projection is rebuilt from the balances as they stand. Skip a month and the dates move out; put a lump sum on and they come in. The Review page is drawn only from what you logged, so it shows what actually happened rather than what was planned.

You can, and the arithmetic will handle it — but a 25-year mortgage at a low rate next to a card at 27% will sit at the bottom of every order and stretch the debt-free date out by decades. Most people leave the mortgage out and use this for the debts they are actively trying to clear.

Enter 0 as the APR. It costs nothing to carry, so the avalanche order puts it last and only its minimum is paid until everything dearer is gone. If you would rather clear it sooner anyway — a payment plan you want off your mind, or money owed to a relative — that is exactly what “My own order” is for, and the comparison page will tell you what choosing it costs.

In this browser, on this device only. There is no account, no upload and no subscription, and nothing is sent anywhere. They are not encrypted, so anyone who can use this device and browser profile can read your balances and lenders. Keep the device access-controlled with a password and a screen lock, and keep backup files somewhere just as safe.

No. It is made for one person on one device, and records do not sync between devices. To move to another device, save a backup and restore it there.