Debt Payoff Planner Plus: See Your Debt‑Free Date (Snowball vs Avalanche)

Paying off debt feels impossible—until you can actually see the finish line. Debt Payoff Planner Plus shows your exact debt‑free date, compares snowball vs. avalanche in real time, and lets you try what‑if extra payments to shave months (or years) off your plan. It’s completely free, private, and works offline.

👉 Learn more: https://debt-payoff-planner.storqlabs.com/

A Quick Story

When we prototyped the app, a friend added three credit cards and a small auto loan. The screen showed a debt‑free date 38 months out. He slid the extra payment to +$100/month—boom, the date jumped forward by almost two years. That was the moment it clicked: if you can see the finish line move, you stay in the fight. That’s why Debt Payoff Planner Plus is laser‑focused on your debt‑free date, the snowball vs. avalanche comparison, and a dead‑simple what‑if simulator.

Why People Choose It

See your debt‑free date instantly and watch it move closer as you make changes
Snowball vs. Avalanche comparison (motivation vs. interest savings)
What‑If Simulator: slide an extra payment and see the new payoff date and interest saved
Month‑by‑Month Schedule: know exactly what to pay and when
Private by design: no accounts, no cloud, your data stays on device
Any currency, anywhere: built to work globally

How It Works (2 Minutes)

Add Your Debts — balance, APR, and minimum payment for each account
Pick a Strategy — snowball (smallest balance first) or avalanche (highest APR first)
Follow the Plan — get your debt‑free date, monthly schedule, and payoff timeline
Try “What‑If” — add an extra €/$50 and see exactly how much faster you’re done

Features That Actually Help

Debt‑Free Timeline: clean visual of every month until zero
Strategy Switcher: tap to compare snowball vs. avalanche side‑by‑side
Detailed Schedule: month‑by‑month payments for every debt
Extra Payment Simulations: small bumps, big results
Lightweight: opens fast, no fluff

Privacy, Not Paperwork

We don’t ask for an account. We don’t sync your balances. Everything stays on your phone. Use it on a plane, subway, or anywhere with no service.

Who It’s For

Credit card, student loan, car loan, medical, or personal debt
Anyone who wants a clear payoff date and a plan that actually sticks
People who value motivation (snowball) or savings (avalanche)—or want the best of both

Real‑World Results (Examples)

Add €/$50 extra per month to a €/$6,500 balance at 22.9% APR → debt‑free date can move up by ~8–12 months depending on other debts.
Switch from minimums to snowball across 4 cards → earlier quick wins often cut total payoff time by 15–25%.
Use avalanche on a single high‑APR balance → interest saved can exceed €/$1,500 without increasing total payment.

Numbers vary; the pattern doesn’t: small, consistent extras plus a clear plan compounds fast.

Testimonials

“Seeing the date move kept me motivated. I finally stuck to a plan.” — J. R.
“The what‑if slider made it click. €/$100 more cut two years off.” — D. L.
“Private and fast. No sign‑ups, no ads—just a clear schedule.” — P. S.

FAQ

Snowball or avalanche—what should I pick?
Snowball (smallest balance first) builds momentum. Avalanche (highest APR first) saves the most interest. The app shows both; choose the one you’ll follow.

Will this impact my credit?
No. This is a planning tool only; it does not access or report to bureaus.

Does it work outside the US?
Yes. It’s locale‑aware and works offline worldwide.

Do I need an account?
No accounts, no cloud—your data stays on device.

Download & Start Today

Get your plan in under two minutes—then make one small extra payment and watch your date move closer.

👉 Learn more: https://debt-payoff-planner.storqlabs.com/
👉 Explore all apps: https://www.storqlabs.com/