Enter what you owe — each balance, its rate and its minimum payment — say what you can pay every month, and the app gives you one number back: the month you are debt-free, and the interest standing between you and it.
Choose the order that suits you. Snowball clears your smallest balance first, so the first debt disappears sooner. Avalanche attacks the highest rate, so you pay less interest. The app shows what the difference is worth in money and in months, then lets you pick the one you will actually stick with.
Paid extra this month? Type the amount and the debt-free date moves — the app tells you how many weeks you just bought and how much interest you just killed.
Interest is charged the way your statement charges it. Credit cards compound daily, not monthly. Most payoff calculators divide the rate by twelve and quietly understate what a card costs; this one charges cards daily and loans monthly.
Everything runs on your device. There is no account, no bank login, and no server of ours — your balances and rates have nowhere to go and go nowhere.
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