Debt Payoff App | Debt Snowball and Avalanche Planner, Debt Free Date, Extra Payment Calculator, 0% Card End Dates, Free Demo

CALM MONEY DEBT PAYOFF, A DEBT-FREE PLAN THAT KEEPS ITS DATE TRUE. Add what you owe, the rate and the minimum; it works out the month you will be clear, the interest along the way, and how much sooner an extra amount each month gets you there.

It opens in your browser, adds to your Home Screen like an app and works offline. No account, no bank login, no subscription. This is the Debt Payoff edition of our Calm Money budget app: everything in Calm Money, with your debts first.

TRY THE FREE DEMO FIRST: https://app.neatwrenstudio.com/demo/?edition=debt
It is the real app with example numbers (four debts, one on a 0% balance transfer). The Overview with your debt-free date, Safe to spend, spends, bills, the calendar and notes are open (up to 25 spends and 5 bills). The full plan on Debts, goals, budgets and Insights show as previews. Download a backup in the demo and your numbers carry over to the full version.

WHAT THE DEBT PAYOFF EDITION ADDS
- YOUR DEBT-FREE DATE: month by month, a month's interest on each balance, the minimum on everything, then your extra and every minimum that frees up go to number 1.
- AVALANCHE OR SNOWBALL: highest rate first (least interest) or smallest balance first (quicker wins). The plan, the order and the date follow your choice.
- WHAT-IF: type an extra amount or tap a chip; see how many months sooner and how much less interest, against the same plan without it.
- A PAYOFF TIMELINE: the total you owe each month until you are clear, with and without the extra, and a dot as each debt clears.
- WHEN EACH DEBT CLEARS, and this month's payment on each.
- 0% END DATES: add the date an offer ends; the plan charges no interest until then and warns you what will still be owed that day, and what a month would clear it.
- SAFE TO SPEND, PAYMENTS FIRST: the plan's payments due before payday are kept back, like bills, until you record them. Pay fills in the plan's amount.
- IMPORTS OUR DEBT PAYOFF SPREADSHEET: its Export to Calm Money tab brings your debts in with their 0% end dates.
The plan assumes your rates and minimums stay as they are: a guide, not financial advice.

EVERYTHING IN CALM MONEY, TOO
- SAFE TO SPEND: your balance, minus the bills still to go out before payday, minus what your budgets keep back, minus money put aside for occasional bills and an optional safety buffer. "How is this worked out?" lists every figure.
- BILLS AND INCOME ON ANY CYCLE: monthly, two days a month, every 2 or 4 weeks, weekly, every few months or once. Subscriptions with monthly and yearly totals.
- BUDGETS WITH PACE, a 48-hour wait list, goals, debts, a calendar, notes and reminders, and Insights (spending by category, planned vs actual, 6 months of money in and out).
- LOG A SPEND IN TWO TAPS: the + button, an amount, a category. On a computer, Ctrl or Cmd + K.
- TWO MODES: ADHD-friendly (one next step at a time, 3 small things, whole numbers, Focus) or Standard (pence, a Coming up table). Same features, switch any time.
- MAKE IT YOURS: 8 colour schemes or your own colour, light or dark, 5 fonts, text size and reduced motion.
- CSV import and export, calendar export with alerts, backups with a reminder after 14 days. 25 currencies, English (UK) or English (US).

WHAT YOU GET
Two PDFs on your Etsy downloads page (open etsy.com in a web browser, not the Etsy app):
- Start here: your private link to the full Calm Money Debt Payoff, how to add it to your Home Screen, and how to bring your demo numbers across.
- How-to guide: 14 pages, every screen step by step, with pictures.
Lifetime updates: new versions arrive by themselves the next time you open it online. Personal licence for your own devices.

WORKS ON
- iPhone and iPad: open the link in Safari, then Share, then Add to Home Screen.
- Android: open it in Chrome, then the menu (three dots), then Add to Home screen.
- Windows, Mac and Chromebook: any up-to-date browser (Chrome, Edge, Safari or Firefox). Chrome and Edge can install it as an app.
Once it is on your Home Screen it opens with no internet. Nothing to download from an app store, no account, no login.

YOUR NUMBERS STAY ON YOUR DEVICE
Everything you type is saved in the browser on your phone or computer. There is no account, no bank connection, no analytics, and nothing is sent anywhere. To move to a new phone, download a backup file and restore it on the other device. Back it up now and then: if you clear your browser's data, the app's data goes too.

WHO IT IS FOR
Anyone paying off cards, loans or a balance transfer who wants a date to aim at and a calm way to get there, without a subscription or linking a bank. Not financial advice.

BUY TWO OR MORE: use code PICK2 at checkout for 20% off any two or more items from the shop, until 31 January 2027.

INSTANT DIGITAL DOWNLOAD. Nothing is posted. Because the files arrive the moment payment clears, Etsy does not allow returns on digital items. If anything does not open or is not as described, message us before leaving a review and we will fix it or refund you.
Personal use only. Please do not share, resell or redistribute the files or the link.
Stuck? Message the shop with a screenshot and a person replies within a day.

Designed and built by Neat Wren Studio. Layouts, formulas and code are built with digital tools, including AI assistance for structure and copy; no AI-generated artwork.