Need a hand? Email support@seanmandable.me and I’ll get back to you.
Debt Descent is a native debt-payoff planner for iPhone, iPad, and Mac. Add your debts, compare the Snowball and Avalanche methods, and see exactly when you’ll be debt-free — with no account, no sign-up, and nothing ever sent to me.
Frequently asked questions
Is my financial data private? Yes — completely. Your data lives on your device and in your own private iCloud, where I can’t see it. There are no accounts, no servers of my own, and no analytics. See the Privacy Policy.
Does my data sync between my iPhone, iPad, and Mac? Yes, automatically — and it’s free for everyone. Just be signed in to iCloud with the same Apple Account on each device; there’s nothing to set up in the app. Not signed in? Debt Descent works fully on-device, and syncing simply picks up when you sign in.
I signed out of iCloud and the app looks empty — is my data gone? No. When you sign out of iCloud (or turn iCloud off for Debt Descent), the system removes the synced copy from that device — that’s standard for synced apps. Your data is still in your own private iCloud and comes right back when you sign in again. If you want a copy that stays on the device regardless, use Export to JSON before signing out.
What does Debt Descent Pro include, and how much is it? Pro is a one-time $9.99 purchase (no subscription) that unlocks all seven payoff methods, the what-if slider and per-debt payoff tests, snowflakes, refinance modeling, amortization schedules, PDF/calendar export, and due-date reminders. One purchase unlocks Pro on your iPhone, iPad, and Mac.
I bought Pro but don’t see it on a new device. It should unlock automatically when you’re signed in with the same Apple ID. If not, open the paywall (tap any “PRO” feature, or the ••• menu → “Unlock Debt Descent Pro”) and tap Restore Purchases.
How do I import a statement? Use Import Statement (the ••• menu, or File ▸ Import Statement on Mac) and pick a PDF. Debt Descent reads the balance, APR, minimum, and due date on your device.
I logged a payment, but the balance doesn’t include the interest my card charged. That’s by design. Debt Descent treats your balance as “what your statement says”: logging a payment takes exactly what you paid off the tracked balance, and the app never adds its own interest estimate — real card interest depends on average daily balance, posting dates, and fees, so any figure the app invented would drift from your actual statement. When your next statement posts, update the balance (edit the debt, or import the statement) and that catches the interest charge. Your plan — the debt-free date, total interest, and method comparisons — does fully model interest at each debt’s APR; only the live balance stays anchored to your statements, so you can always verify it against them.
How do I back up my data? Use Export to JSON (••• menu / File menu) to save a complete backup, and Import from JSON to restore it on any device. Backup and restore are free for everyone — your data is never behind the paywall. (iCloud sync keeps your devices in step, but it isn’t a backup — deleting a debt removes it everywhere, so an occasional JSON export is still the safety net.)
How do I start over? The ••• menu has Load Sample Data (a fabricated demo set) and Purge All Data (erases everything and starts blank).