Debt Payoff Planner App for iPhone, Android and PC, Debt Snowball and Avalanche Calculator

✦ No Google Sheets, Notion or iPad needed: your debt payoff planner app opens right in your phone or computer browser, nothing to install. ✦

✦ A debt payoff planner app for iPhone, Android and computer. Snowball, avalanche or your own order, exactly what to pay each month, and a countdown to your debt-free date ✦

Paying off debt is hard enough without a confusing spreadsheet. BrightDebt is an elegant navy and gold web app with a fresh "debt-free" green accent that you open from your private link and add to your home screen, where it opens full screen like any other app. List your credit cards, loans, car and student loans, medical bills and buy now, pay later plans with their balance, interest rate, minimum payment and due day. Compare the Snowball, Avalanche and your own order side by side to see your debt-free date, total interest and interest saved, then slide an extra monthly payment to see how much sooner you'll be done. Every month, the This month screen shows exactly which debts to pay and how much. Tap Paid and the balance updates. Watch your progress with a debt-free countdown, a fill-in tracker and milestone celebrations. Your data stays private on your own device. No account, no subscription.

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✦ WHAT'S INCLUDED (10 SCREENS)
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★ THIS MONTH: an ADHD-friendly list of exactly which debts to pay this month and how much, sorted by due date. The 🎯 target debt gets your extra. Tap Paid and it's logged
★ MY DEBTS: credit cards, personal loans, car loans, student loans, medical bills, buy now pay later and other debts, with balance, APR, minimum payment, due day, percent paid off and monthly interest. Warns you if a minimum doesn't cover the interest
★ PAYOFF PLAN: choose Snowball (smallest balance first), Avalanche (highest interest first) or My order, with a side-by-side comparison of debt-free date, total interest and interest saved vs paying only minimums
★ EXTRA PAYMENT SLIDER: see how many months sooner you'd be debt-free and how much interest you'd save with a little extra each month
★ MONTH-BY-MONTH SCHEDULE: the full payoff plan, showing what to pay on each debt every month and the balance left. Paid-off debts roll their payment into the next one
★ PAYMENT LOG: every payment you make lowers the balance. Edit or delete a payment and the balance is corrected
★ PROGRESS: a debt-free countdown, percent paid off, a 100-square fill-in tracker (1 square = 1%) and milestones at 10, 25, 50, 75, 90 and 100% with celebrations
★ DUE DATES: a calendar of this month's due dates with paid ones marked in green, plus a coming-up list
★ SETTINGS: currency, 3 themes, backup and restore, CSV export, sample debts and Start fresh
★ HOW TO USE: a quick guide inside the app, including how the math works

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✦ FEATURES
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✓ Elegant and calm: navy, cream and gold with a fresh debt-free green accent
✓ ADHD-friendly: one clear "what to pay this month" screen, one main button on each screen, big tap targets and no clutter
✓ Snowball, Avalanche or your own order, compared side by side
✓ Real month-by-month interest math with payment rollover, tested against standard loan amortization
✓ Debt-free countdown, fill-in tracker and milestone celebrations
✓ Sample debts to explore first, cleared with one tap
✓ Pick your currency ($, £, €, ₹, R and more)
✓ 3 themes: Classic, Light and Debt-free Green
✓ Add it to your home screen on iPhone, iPad or Android and it opens full screen like an app
✓ Works offline after the first time you open it
✓ Private: everything is saved only on your device. No account, no login, no bank connection, no ads
✓ Backup and restore (.json) to keep your data safe or move to a new device, plus CSV export for Excel or Google Sheets
✓ A reminder every 14 days to save a backup
✓ BONUS: an offline download version that runs straight from your computer
✓ No subscription. Pay once.

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✦ YOU WILL RECEIVE
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• Debt-Payoff-App-Start-Here-and-Link.pdf: your private app link (tap it, or scan the QR code), install steps for iPhone, Android and computer, setup steps and tips for backups
• Debt-Payoff-App-BrightbudgetsCo.zip: a BONUS offline version of the same app for your computer (unzip and open index.html)

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✦ COMPATIBILITY
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• iPhone and iPad: Safari, or Chrome on iOS 16.4 or newer. Add to Home Screen.
• Android: Chrome. Install app or Add to Home screen.
• Computer: Chrome, Edge, Safari or Firefox on Windows, Mac or Chromebook. Bookmark it, or use the install icon in Chrome and Edge.
• Internet is needed only the first time you open the link. After that it works offline.
• This is a web app you open from a link. It is NOT an App Store or Google Play app, and it doesn't sync between devices (use backup and restore to move your data).
• It doesn't connect to your bank or make payments, and it doesn't send notifications. You enter your debts and log payments yourself.

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✦ HOW TO ACCESS
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1. After purchase, go to You › Purchases and reviews › Download files. Etsy also emails you a download link.
2. Open the Start Here PDF and tap the app link, or scan the QR code with your phone's camera.
3. iPhone/iPad: tap Share › Add to Home Screen. Android: tap ⋮ › Install app. Computer: bookmark it.
4. Open the app from your new home-screen icon, pick your currency and start with the sample debts or your own. Setup takes about 2 minutes.

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✦ FAQ
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Q: Is this an App Store app?
A: No. It's a web app: you open it from a link in Safari or Chrome and add it to your home screen. It then has its own icon and opens full screen like an app.

Q: Do I need an account or a subscription?
A: No. There's no sign-up, no login and no monthly fee. You pay once.

Q: What's the difference between Snowball and Avalanche?
A: Snowball pays the smallest balance first for quick wins that keep you motivated. Avalanche pays the highest interest rate first, which usually costs the least interest. The app shows both side by side (plus your own order) so you can choose.

Q: How accurate is the math?
A: Each month the app adds interest (balance × APR ÷ 12) and then takes off your payments, rolling paid-off minimums into the next debt. It's a close estimate. Your lender may calculate interest daily, add fees or change your rate, so update your balances from your statements now and then.

Q: Does it connect to my bank?
A: No. Nothing is connected or uploaded. You enter your debts and tap Paid (or log a payment) when you pay.

Q: What kinds of debt can I add?
A: Credit cards, personal loans, car loans, student loans, medical bills, buy now pay later plans and any other debt with a balance and a monthly payment.

Q: Can I use my own currency?
A: Yes. Choose your currency in Settings, including US, Canadian and Australian dollars, pounds, euros, rupees, rand and pesos.

Q: Where is my data stored?
A: Only on your own device, in that browser or home-screen app. Nothing is uploaded.

Q: I'm on iPhone. Anything I should know?
A: Add the app to your home screen first and enter your details there. On iPhone and iPad the home-screen app keeps separate data from a browser tab.

Q: What's the bonus offline version?
A: A copy of the same app in a zip file that runs straight from your computer without the link. It works best on a computer, and its data is separate from the online app.

Q: Will I receive a physical product?
A: No. This is a digital item and nothing will be shipped.

Q: Can I share it?
A: It's for personal use only. Please don't share the link or files, or resell them.

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✦ PLEASE NOTE
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• This app is a personal planning tool, not financial, legal or tax advice. Results are estimates based on the numbers you enter. For advice about your situation, talk to a qualified financial professional or a non-profit credit counselor.
• Your data lives only on your device. Clearing your browser or site data, or deleting the home-screen app, erases it, so please export backups regularly (the app reminds you).
• Because this is a digital item with instant access, returns, exchanges and refunds are not accepted. If something isn't working, please send us a message through Etsy and we'll help you sort it out.
• Colors may look slightly different depending on your screen.

✦ PAIRS WELL WITH
• Paycheck Budget & Bill Tracker printable ($3): https://www.etsy.com/listing/4601133620/paycheck-budget-printable-bill-tracker

How it's made: I design every BrightbudgetsCo product myself and build it with digital tools, including AI-assisted writing and coding, then test and approve each file before it's listed. Listing images are previews made from the actual files; no AI image generators are used.

✦ More from BrightbudgetsCo: planners, trackers & ADHD-friendly apps for budget, habits, fitness, meals, travel, baby, weddings and holidays
https://brightbudgetsco.etsy.com

© 2026 BrightbudgetsCo. For personal use only.