Getting Started

1. Add your debts

Tap the + Add Debt button and fill in each debt's details:

• Name — e.g. "Visa card" or "Student loan"
• Balance — your current payoff amount
• Minimum payment — the required monthly minimum
• Interest rate — your APR (annual rate)
• Notes (optional) — any reminders or context for that debt, like an account number or lender contact

Add all your debts — credit cards, car loans, personal loans, student loans, etc.

2. Set your monthly budget

Open Settings (top-right menu) and set your Extra Payment. This is any amount above your minimums that you can put toward debt each month.

The app will automatically allocate minimums to all debts and direct that extra money toward your snowball target.

3. Choose your payoff strategy

By default, debts are sorted smallest-to-largest (the snowball method). Tap Sort by Strategy above the debt list to compare snowball vs. avalanche side-by-side and apply whichever suits you best.

• Snowball — smallest balance first, for fast wins and motivation
• Avalanche — highest interest rate first, to minimize total interest paid

Your chosen strategy is saved automatically and affects all payoff projections in the app.

4. Review your schedule

Once your debts and budget are set, the app shows:

• Which debt you're currently targeting
• Estimated payoff date for each debt
• Total interest paid and time to debt freedom
• Charts showing your payoff journey and debt breakdown

Using the Windfall Calculator

Got a bonus, tax refund, or unexpected cash? The Windfall Calculator (just below the summary) lets you enter a lump sum and instantly see how it shortens your payoff timeline — before you commit the money.

If you like the result, tap Apply to update your debt balances automatically.

Tips for accuracy

• Use your actual current balance, not the original loan amount
• Check your latest statement for the exact minimum payment
• Be realistic with your budget — a consistent amount beats an optimistic one