Snowball vs. Avalanche
See both payoff strategies side by side: interest saved, time saved, and which debts to hit first.
Now on iPhone
Pay off debt. Pay once. Done.
Compare Snowball and Avalanche with your real numbers, see your debt-free date, and track every payment. All private, all on your phone.
No account. No ads. Your numbers stay on your device.
A real date to aim for
A smarter way to get debt free.
Snowball vs. Avalanche
Compare both strategies with your real numbers to see what works best for you.
Your debt-free date
See when you’ll be debt free, and how much interest each plan costs.
Private by design
No account. No bank linking. Your data stays on your device.
One-time purchase
No subscription. Pro is bought once.
From a pile of balances to a plan
A payoff plan you can actually see.
Add your debts, set a monthly budget, and PayoffPilot shows the fastest way out in real dollar amounts.
- 1
Add your debts
Name, balance, APR, minimum payment, and a due date if you want reminders.
- 2
Compare the two strategies
Snowball clears the smallest balances first. Avalanche goes after the highest rate first. PayoffPilot runs both on your numbers.
- 3
Log payments, watch the date move
Every payment updates your balances and your debt-free date.
See it in action
Watch PayoffPilot work.
A short screen recording of PayoffPilot on iPhone.
Get PayoffPilotWhat's inside
Real numbers, not vibes.
Everything you need to see the way out and stay on it.
Your debt-free date
A real calendar date to aim for, updated with every payment you log.
Scenario SimulatorPRO
What if you added $200 a month? Or dropped in a bonus? Test it before you commit real money.
PDF reportsPRO
Export your payoff plan to share with a partner or keep for your records.
Milestones
First debt down, 25%, 50%, debt-free. Progress that used to be invisible gets a moment.
Payment reminders
A nudge before every due date, so late fees don’t eat your progress.
Face ID lock
An optional app lock with Face ID or Touch ID.
Private by design
No account, no data collection. Everything stays on your device.
Pricing
Free to use. Pro is a one-time purchase.
If you're paying off debt, you don't need another monthly bill. PayoffPilot Pro is bought once. It's not a subscription.
Free
$0 no time limit
- Track your debts
- Snowball and Avalanche comparison
- Debt-free date and payment tracking
- Milestones and reminders
- Face ID lock
Pro
$9.99 one time, no subscription
- Everything in Free
- Scenario Simulator
- PDF reports
- Full comparison detail
Your money, your phone
No account. No bank linking. Nothing to leak.
PayoffPilot has no server behind it. Your debts, balances and payments are stored on your device. The only way anything leaves is a PDF you export and share yourself. An optional Face ID or Touch ID lock keeps others out of the app. Read the privacy policy.
From the blog
Plain-English debt payoff guides.
Snowball or Avalanche: Which Debt Payoff Method Fits You?
Two ways to pay off debt, one example with real-looking numbers, and how to find out which one fits you.
Read guideNeed a hand?
Start with the help guide, or ask us.
How-tos and fixes are in the help guide. For anything else, email support@bigbeardapps.com. It goes to Big Beard Apps, the small studio behind the app.