DebtClimb: Debt Payoff Planner

DebtClimb is a debt payoff planner that keeps your plan on your phone. Enter each balance with its interest rate and minimum payment, say what you can pay each month, and see the month your last debt clears, the estimated interest under your plan and the order your debts fall in.

THE PAYOFF DATE AND ONE SLIDER
The climb screen shows your payoff date in large type, with a step chart of your debts clearing one after another. Drag the extra payment slider and the date, the interest and the chart move while your thumb is on it. It shows what putting a little more in this month does to your plan before you decide whether to make that extra payment.

DEBT SNOWBALL OR DEBT AVALANCHE
• Snowball: smallest balance first
• Avalanche: highest interest rate first
• Your own order: drag your debts into the order you want
• Side by side: the payoff date and total interest of snowball and avalanche, so you can choose with the numbers in front of you

When a debt clears, its minimum rolls on to the next one in your order. The avalanche order is worked out again each month, so a 0% balance transfer card only becomes the target once its rate goes back up.

ADD THE DEBTS YOU OWE
Credit cards, store cards, car loans, student loans, personal loans, medical bills and anything else you owe. A 0% promotional rate can carry the date it ends and the rate it becomes.

A LOG THAT KEEPS THE PLAN HONEST
Mark this month's minimums paid in one tap, or log a payment that differs. Balances follow what you logged, and last month's interest is added on the first of each month, so a month where you paid less shows a later date. Type in a balance from your statement whenever you like and the plan starts again from there. Milestones mark each debt you clear and the point where half the total is gone.

REMINDERS BEFORE A PAYMENT IS DUE
Set each debt's due day, choose how many days ahead you want to know, and turn on a monthly nudge to log your payments. A "Reminders not arriving?" screen shows what your phone has switched off.

PDF AND SPREADSHEET
Export the plan as a PDF with your debts, the order and the schedule month by month, or the schedule as a CSV file. The PDF is in English.

STANDARD TIER AND PRO
The standard tier tracks three debts with both methods, your payoff date, reminders, payment log, CSV and backup, with a small banner on the Debts and Payments screens. There is never a banner on the climb screen. Pro adds as many debts as you have, the extra payment slider, the side by side comparison and the PDF, and removes the banner. An optional 14-day Pro trial is available in the app. Debts you have already entered stay available to view, edit and back up on any tier.

NO ACCOUNT, NO BANK CONNECTION
There is no sign-in and DebtClimb never connects to a bank. Your figures stay on your phone, and a backup file moves them to a new one.

DebtClimb is a planner. It does not offer loans, move money or give financial advice. It works from the rates and minimums you enter and assumes they stay the same, charging balance x APR / 12 each month. Actual interest calculations vary by lender, so your statement and your payoff date may differ.

Questions? Write to support@clearstackapps.com