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▶Debt Payoff Planner, Foldable Edition
Close your phone and see your debt-free date and your next payment. Open it and see the whole plan, and what an extra $100 or $200 a month would do.
When will you be debt-free, and what happens if you find $200 more a month?
- Snowball (smallest balance first), avalanche (highest rate first) or your own order, compared in a tap
- A debt-free date for the whole plan and a paid-off date for every debt
- A cover screen that works as your scoreboard: the date, the percent paid off and your next payment
- An inner screen with two pages side by side: your debts on the left, the plan and the chart on the right
- A what-if slider: add any amount a month and see the new date and the interest you would save
- Log a payment in two taps, and your date moves closer as you go
- Every $100 paid earns a square to color in with your finger or a stylus, and every milestone gets a date
- Includes the Debt Snowball and Payoff Planner spreadsheet for Excel and Google Sheets
Overview
Close your phone and see your debt-free date and your next payment. Open it and see the whole plan, and what an extra $100 or $200 a month would do.
When will you be debt-free, and what happens if you find $200 more a month?
Debt Payoff Planner gives every debt its minimum and sends every extra dollar to one focus debt. In the worked example, four debts add up to $16,490 and the monthly budget is $900: a $640 store card, a $1,180 medical bill, a $4,820 Visa and a $9,850 car loan. Snowball, smallest balance first, clears the store card in November and the medical bill in January, and the car loan is paid off in June 2028. Avalanche, highest rate first, reaches the same finish date here with about $200 less interest. The cover screen reads June 2028 with 21 payments to go and shows the next payment: $420 to the store card. Drag the what-if slider to $200 more a month and debt-free moves up to February 2028.
What's Included
One ZIP: the web app, the spreadsheet and a Start Here guide
- START-HERE.pdf: your private install link and a QR code, the install steps and your first ten minutes, step by step
- INSTALL-AS-AN-APP.txt: the same link and install steps in plain text, with the link to the free video walkthrough
- Debt-Snowball-Payoff-Planner-Spreadsheet: the spreadsheet for Excel and Google Sheets with its own quick start guide
- LICENSE.txt: the personal-use terms
Key Benefits
Why this one
Close the phone and the cover screen shows your debt-free date, the percent paid off and your next payment: which debt, how much and when.
Switch methods in a tap and compare the finish dates and the interest. Pick the one you will stick with, or set your own order.
Drag the slider to add $100 or $200 a month and watch the date move. In the example, $200 more moves debt-free from June 2028 to February 2028.
Every $100 you pay off earns one square to color in with your finger or a stylus, and every paid-off debt and milestone gets its own date.
No account, no bank login and no subscription. Your numbers are saved only on your device, the app works in airplane mode, and a backup file is one tap away.
Who It's For
Built for
- Anyone paying down credit cards, medical bills, a car loan or student loans who wants a real debt-free date
- Someone choosing between the debt snowball and the debt avalanche who wants to see both before deciding
- A new owner of a big foldable phone who wants a debt plan that uses both pages of the inner screen
- Anyone who wants a debt tracker without linking a bank or paying a monthly fee
How It Works
Up and running in minutes
Open START-HERE.pdf and tap your private install link. In Safari, tap the Page Menu button (the three dots), then Share, then View More, then Add to Home Screen. Leave Open as Web App on and tap Add.
Enter each debt with its balance, rate and minimum payment, then set the total you can pay each month.
Choose snowball, avalanche or your own order and read the date for every debt and for the whole plan.
Log each payment in two taps, check your date on the cover screen, color in your squares and save a backup file once a month.
Why It's Different
Not another template
Most debt payoff apps want a bank login and a monthly fee, and most debt spreadsheets are awkward on a phone. This one is a web app you keep: no subscription, no account, nothing linked, and it works offline. It is laid out for two screens: closed, your date and your next payment; open, your debts and the plan side by side. The what-if slider and the color-in squares keep the plan going between paydays. The Excel and Google Sheets spreadsheet comes with it for the days you would rather plan on a computer.
Delivery & Compatibility
Instant, and it opens in what you already use
As soon as your order is complete you can download the ZIP. Open START-HERE.pdf, tap your private install link or scan the QR code, and add the app to your Home Screen from Safari in about a minute. This is a web app that installs from Safari; it is not an App Store app. The free video walkthrough shows every step, and nothing ships.
Runs in Safari on iPhone Duo (iOS 27.1), tested in Apple's iPhone Duo simulator. Also runs on other iPhone models, iPad, Android phones in Chrome and computer browsers (Chrome, Edge and Safari). It works offline after the first open. The spreadsheet opens in Excel or Google Sheets. No account, no bank login and no subscription.
FAQ
Questions, answered
Is this an App Store app?
No. It is a web app that installs from Safari with Add to Home Screen, then opens from your Home Screen like any other app. There is nothing to download from an app store.
Do I need a foldable phone?
No. A big foldable inner screen gets the two-page layout, and any other iPhone, Android phone, iPad or computer gets the same app, sized to its screen. The Excel and Google Sheets spreadsheet is included too.
Does it connect to my bank or lender?
No. You type your debts and log your payments. There is no account, no bank login and no cloud sync.
Snowball or avalanche: which is better?
Avalanche usually costs less interest; snowball gives quicker wins. The app shows both for your own debts, so you can pick the one you will stick with.
Where is my data stored?
Only on your device, in the web app's storage. We never receive it. Deleting the web app or clearing Safari website data erases your entries, so save a backup file now and then; the same file moves your plan to a new phone.
Will it get updates?
Yes. The app updates itself when we improve it, and your entries stay on your device.
For personal debt planning and education only; not financial, investment, tax or legal advice. Payoff dates and interest are estimates from the numbers you enter; your lender's figures may differ. The figures shown are a worked example. The kitchen-table photo is an AI-generated illustration; the app screen in it is a real screenshot of this product. For personal use: please do not share your install link or resell the files. Digital product; because the files are delivered instantly, all sales are final. Independent web app by NicheToolkits, not affiliated with, sponsored, or approved by Apple Inc. iPhone, Safari and App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. iPhone Duo is a trademark of Apple Inc.
