Debt Payoff Tracker App | Snowball & Avalanche Method, Credit Card Payoff Planner (Offline HTML Tool, Dark Mode)

DESCRIPTION
💳 Debt Payoff Tracker PRO — Avalanche Method
Become debt-free faster with this Debt Payoff Tracker — uses the Avalanche Method to attack your highest-interest debts first and save the most on interest. Works in any browser, 100% private.
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✨ WHAT YOU GET
✅ Beautiful dark mode interface (+ light mode toggle)
✅ Avalanche Method — automatically sorts debts by highest interest rate first
✅ Real-time progress bars for each debt
✅ Overall payoff progress tracker
✅ Payoff Timeline — estimated month & year for each debt
✅ Interest rate tags (High / Mid / Low) at a glance
✅ Add payments with one click — balance updates instantly
✅ Export to CSV — open in Excel or Google Sheets
✅ JSON backup & restore — never lose your data
✅ Works in any browser — no installation needed
✅ 100% private — data stays on your device
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📦 FILES INCLUDED
• DebtPayoffTracker_PRO.html — main tracker (open in any browser)
• Instructions.html — open in any browser
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🚀 HOW IT WORKS
Download and open the HTML file in Chrome, Firefox, Edge, or Safari
Demo data is pre-loaded so you see it working immediately
Delete the demo debts and add your own (name, balance, amount paid, interest rate)
The tracker sorts them automatically — highest interest rate first
Add payments as you make them — watch your progress grow!
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⚡ WHAT IS THE AVALANCHE METHOD?
The Avalanche Method means you focus your extra payments on the debt with the highest interest rate first, while making minimum payments on the rest. Once that debt is paid off, you move to the next highest rate.
Result: You pay less total interest and become debt-free faster than any other method.
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📊 KEY FEATURES
• Total debt remaining — always visible
• Total amount paid with overall progress bar
• Weighted average interest rate across all debts
• Automatic Avalanche ordering (1st, 2nd, 3rd priority)
• Payoff timeline with estimated dates per debt
• High / Mid / Low interest rate badges
• Celebration when a debt is fully paid off 🎉
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🔒 100% PRIVATE & OFFLINE
All data is stored locally in your browser. Nothing is sent to any server. Works fully offline after first load.
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❓ FAQ
Q: Do I need internet to use it?
A: Only to load fonts on first open. After that — fully offline.
Q: Does it work on Mac?
A: Yes! Works on any device with Chrome, Firefox, Edge, or Safari.
Q: Can I track multiple debts?
A: Yes — add as many debts as you need. No limit.
Q: What if I want to use the Snowball method instead?
A: Simply sort your debts manually by smallest balance. The tracker works for any strategy.
Q: Will my data be lost if I close the browser?
A: No — data saves automatically. Use the Backup button for extra safety.
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Instant digital download — no physical product shipped.