Give each debt a clear next step. Plan minimum payments and extra principal, keep actual payments separate, and compare debt payoff estimates without connecting a bank account. PLAN EACH DEBT With Pro, choose recurring daily, weekly or monthly dates for each debt. Use its current minimum or a fixed minimum, then add an extra principal amount. Choose several dates, the last day of the month or a particular weekday. Short months adjust to their last day and return to your chosen dates afterward. RECORD WHAT YOU ACTUALLY PAID Review the amount and minimum/extra split before recording a payment. Creating, pausing, skipping or stopping a schedule does not change your balance. No automatic bank payments, money transfers or bank sync. Your lender decides how actual payments are applied, including interest and fees. SEE THE NEXT STEP Find recurring schedules from Today or the debt itself. Choose private on-device reminders, including lead time and time of day. Notifications require permission; open the app regularly to refresh upcoming reminders. Keep revisions and skipped or recorded occurrences in schedule history. COMPARE YOUR PAYOFF PLAN Compare snowball, avalanche and a custom priority. Plan around your payday budget, save scenarios and explore extra payments or a target payoff date. Payoff projections use the monthly minimums and extra budget in Plan; recurring dates are a separate tracking and reminder tool. KEEP A CLEAR RECORD Search and categorize debts. Review statements with a before/after preview and reversible corrections. Keep corrections separate from payments. Edit actual payments without inventing a split for older records. Export PDFs, CSV plans and activity reports, including recurring history. Import a debt CSV with preview and duplicate checks. Keep a complete private JSON backup; import adds missing records without replacing newer local balances or settings. FREE AND PRO Free supports two debts, manual payments, statement review, due days, basic progress and private backups. Pro adds unlimited debts, recurring schedules, detailed projections, strategy comparisons, payday budgets, scenarios, custom priority, target-date planning, insights, reminders, charts and PDF/CSV reports. Monthly, yearly and lifetime options unlock the same Pro features. Existing records remain available. Help shape future platform support with an optional survey. Review what is sent before sending, skip it freely or remove your vote later. Financial records stay on your device. No bank login, advertising trackers or analytics account is required. Support messages include only the diagnostics you can review before sending. Keep backups somewhere private; deleting the app can remove its local data. Estimates depend on what you enter and can differ from lender statements. SnowballPay is a planning tool, not financial advice. Subscriptions renew until cancelled. The purchase screen shows your localized price and billing period. Apple charges your Apple Account. Manage or cancel in Settings > Apple Account > Subscriptions; cancellation applies at the end of the period. Lifetime is a one-time purchase. Privacy: https://innovalabworks.com/a/snowballpay/privacy Terms: https://innovalabworks.com/a/snowballpay/terms Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Finance · iPhone, iPad · Free
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