Debt snowball calculator for iPhone
Watch your debt-free date move closer.
Snolo turns your debts into a debt-free date you can watch move closer. See exactly what to pay this month, compare snowball and avalanche, and watch every balance shrink to zero. No bank login, ever.
- 4payoff strategies
- 9debt categories
- 0bank logins
Payoff plan
Dashboard · This month · Next debt
Always know what to pay next.
Open the app and the question is already answered: what to pay this month to get out of debt faster. One focus debt, one clear number, and a projected balance that curves down to zero.
- Your debt-free date, front and centre
- A month-by-month plan that tells you which debt to hit next
- Log a payment in a tap and watch the date move
What-If Simulator
Snowball · Avalanche · Extra payments
Become debt-free years sooner.
Slide in a little extra each month, or a one-time lump sum, and see at once how many months you cut and how much interest you keep. Then pick your path: snowball for momentum, avalanche for the math.
- Snowball and avalanche side by side, with the interest each one saves
- Custom order and hybrid strategies too
- Like what you see? Tap “Apply as my plan”
Every debt
Cards · Loans · IOUs
Every debt, one calm list.
Credit cards, student loans, auto, medical, buy-now-pay-later and more: every balance, APR and minimum together, each with its own payoff progress. Open any one to see what paying only the minimum really costs.
- Nine categories, one overview
- The true cost of minimums: how long it drags on and the interest it costs
- Personal IOUs with friends and family, with partial payments and settle-up
Progress
Streaks · Milestones · Charts
Celebrate every balance that hits zero.
Mark payments, keep your monthly streak alive, and watch the total you have paid off climb. Every milestone gets its moment.
- Milestones at 25, 50, 75 and 100 percent paid off
- A monthly payment streak to keep you going
- Export your full plan as CSV or a multi-page PDF, made on your device
Debt-free in three steps.
No bank connection, no signup. Just you and a plan.
- 1
Add your debts
Enter each balance, APR and minimum: cards, loans, medical, BNPL. It takes minutes and stays on your device.
- 2
Choose your strategy
Snowball, avalanche, custom or hybrid. Snolo builds a month-by-month plan and shows your debt-free date.
- 3
Log it and watch it shrink
Mark payments, keep your streak, and celebrate each milestone as every balance falls to zero.
Private by design.
You add your debts by hand, so nothing sensitive is ever linked. Your records live on your device and in your own private iCloud.
No bank login
No bank credentials and no Plaid, now or later. You stay in control of what goes in.
Private iCloud sync
Syncs across your devices through your own iCloud, a private database we cannot read.
Accurate math
Four payoff strategies with month-by-month amortization, so the date you see is the date you get.
Home Screen widgets
Your debt-free countdown and progress ring, one glance away.
Gentle reminders
Optional payment, monthly-plan and milestone notifications. On your terms.
Export CSV and PDF
Generate your full payoff plan as a spreadsheet or a multi-page PDF, all created on your device.
Questions, answered.
Do I have to connect my bank?
No, and you never can. Snolo has no bank logins and no Plaid. You add your debts by hand, so nothing sensitive is ever linked or shared.
Is my financial data private?
Yes. Your debts are stored on your device and, if you enable it, synced only through your own private iCloud account. We run no server of our own, and creditor names, notes, APRs and due dates never leave your device. To be exact: a few analytics events do include an amount, such as the balance you just cleared, which our privacy policy sets out in full.
What is the difference between snowball and avalanche?
The snowball method pays your smallest balance first for quick, motivating wins. The avalanche method targets your highest interest rate first to save the most money. Snolo shows both, so you can choose with the numbers in front of you.
Which devices does it support?
Snolo is built for iPhone, with Home Screen widgets and iCloud sync across your Apple devices.
Is this financial advice?
No. Snolo is a planning tool: it does the math on the numbers you enter and shows you the outcome of each strategy. The decisions stay yours.
Your debt-free date is closer than you think.
Download Snolo and make this the month it starts going down.