Debt Descent
A native debt-payoff planner for iPhone, iPad, and Mac. Add your debts, compare Snowball and Avalanche side by side, and see exactly when you’ll be debt-free. Nothing ever leaves your own devices.
Free tools
Calculators that run in your browser. No sign-up, and nothing you type is saved or sent.
- Debt Snowball & Avalanche Calculator: your debt-free date and total interest, both methods side by side.
- Deferred Interest Calculator: what a “no interest if paid in full” promo bills if you miss the deadline.
- Balance Transfer Calculator: whether the transfer fee beats the interest you’d pay by staying put.
- Debt Management Plan Calculator: a DMP’s reduced rate and fees against paying on your own.