Debt Snowball Calculator App Reviews

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Not Impressed 😩. While I like the concept of logging my debts and their details, I was expecting much more from this app. I was expecting to list the debt and the details, then see an actual tracker to include me listing the payments made and seeing the balance decrease ... similar to the way I have it set on my excel spreadsheet which is what I will stick to using. We all know that feeling you get from seeing a balance decrease and this app doesn’t do it for me. It’s very basic and not helpful at all. I don’t have a ton of debt but I don’t think this app being provided at its full potential. I’m sure there are some other features that could be applied to make this app #1 but in its current state it’s just not what I need. The purpose of using this app is to stay on top of paying down debt and this app is very boring and doesn’t motivate you, remind you, allow you to set goals (or send any alerts when you’ve reached a goal), have any cool color schemes or anything ... you’d be better off saving your money and using excel. At least it’s free and customizable!

iPad Pro. The app looked promising and I was looking forward to using, but it doesn’t seem to work with the IPad Pro. There’s only a continuous loading screen. I am giving a neutral 3 stars.

One time payment doesn’t specify the month. I would like it if you could choose which month you made extra payments. We get bonuses certain times a year and when you add the “extra payment” it calculates it in month 1 and no the actual month you’re planning on making the payment. Otherwise it works great.

More Features Needed. It would be nice to be able to enter dates. For example, what if a debt is paid bi-weekly? Can I set goals or target dates in addition to paying extra on the debts? I can list out my own debts... I need an app that can help forecast and provide insight on how to manage and tackle paying the debt off.

Don’t buy!. Not helpful! Wasted my money on this :/

iPad Version. I am currently running the latest version of iOS for my iPad Pro and there app does not open. Tried to reinstall and nothing

Great update. Love the new features

Needs More Options. I love the app, but I would like to able to add the extra payment to a debt specifically instead of the app doing it on its own. And then it can apply it to the following debt on its own once the smaller one is paid. The 3 options for the extra payments are a bit confusing to me. It would be great to see how much you actually paid to that debt including interest in the app, like to be able to click within that specific debt and see it. Overall, great app and best $2 I ever spent on a debt calculator. I’ve been looking for something like this that also calculates my interests.

No Snowball Options. I wish I had read reviews before purchasing this one. The only payoff method is paying lowest balances first. The dev responded to another review stating that paying highest interest rates first is called “debt avalanche”, but I have *never* heard of that. I’ve always seen both those options considered to be snowballing. The snowball method is that you take the money from a paid off debt and apply it to the next debt - that isn’t confined just to paying lowest balances first method. My bad for not finding out this app only has one payoff plan option and won’t work for me as I want/need to pay off higher interest rate balances first. 2 stars for the inspiration to make my own payoff plan charts like the ones in this app (using a payoff plan from another app that has highest interest rate first option).

Okay needs works.... Apps is clean and user friendly. Only reason I gave 3 stars is because I thought the printable .99 was all combine. The whole point of a snowball was to apply finish payments to the next debt. Thereby reducing the over all debt quicker. Need a bit of work.

More options. I would love to have the ability to payoff higher interest first instead of lowest balance. Paid $1.99 for the app and slightly disappointed.

Share account??. Just got this app but wondering if there is a way to be able to share the same info on two phones. Would like mine and my husbands phone to be able to share the info so we don’t have to input it all twice.

Misleading. So the entire point of the snowball method is that when you pay off the lowest balance, you add that payment to your payment on the next lowest balance, then when that one is paid off the payments from the paid off loans now go to the next highest and so on. The method is designed to use the amount you already pay every month to help you pay off your debt quickly. The ONLY thing this app does it tell you how long it’s going to take to pay off debt making the minimum payment. It’s literally just a list of payments... all equal and no snowball at all. I don’t need to know how long it’s going to take to do what I’m ally doing I wanted to create a plan to get rid of it faster and have somewhere to track it.

Purchaser. Not what I expected. Waste of money, do not buy.

Just One Small Suggestion. I really love this app! It’s very easy to use. My one suggestion is to not require a monthly minimum payment. I have a debt I owe to a family member, and they said to not worry about paying them back until my other debts are paid. I’m still planning on using the snowball method with the amount I owe them. I couldn’t put “0” in the minimum monthly payment, so I ended up putting $1. That’s the only small snag I’ve run into! :)

Won’t let me enter my debt. Went to start entering our debt and couldn’t even enter the first one. It told me that my payments were too low for the debt and that it will never be payed off. It wanted to me enter info that wasn’t accurate. 🤷🏼‍♀️

Love it but..... Love this app but is there a way to print all of your debt on one sheet instead of different sheets?

Paid for printable chart but doesn’t work. So let me the fact that I think this is a great app out of the way. Only thing is that I paid $0.99 for the printable charts and all I get is a pdf with lines and and the debtor name in the center of the page in large font. This renders the feature and payment I made useless. Please fix.

Get rid of your debt!. I have been looking for a app that helps me pay off my debt with the snowball method. I tried many different ones and then i saw this one. I read reviews and thought about not purchasing but i did and it turns out to be the best one. You add all your debts. You choose how you want to tackle them. Low interest. Low balance or just choose exactly what order you want. Then you can add how much extra you want to add to the snowball. It will then show you all your debts by month and how much you will be paying to each. It also shows you how long it would take to pay it off. My only issue is that it does not show you up to date info. So if i make those payments to my card, i would have to go into each debt manually and edit the amount owed so that it updates the payments plan. It should have a button to make payments to each debt and allow you yo input exactly how much you paid, which then would update the plan. Besides that, i think this is a very good app. Wry useful and will motivate you to get out of debt quickly. So add a $1.99 debt to one or your cards and buy this app.

Dev team is very helpful.. I had one issue with calculation and dev team responded in no time and explain that to me.

So easy & love the all-inclusive view. It was super simple to funnel all my accounts into one place. So great that I can see it all in a single platform. I love that it quickly tabulates the payoff when I make additional payments...love seeing how much it reduces my payoff period!

Great App. I really like this app and have been using it for several months. The only issues I’ve had is that the downloadable payoff charts don’t print well. I tried to contact the Developer about it but couldn’t find a way to message them. I would give this app a solid 5 stars if I could print the charts.

Great app for tracking progress!. I love the user interface for this app and also the way it all works together. It allows you to print a chart where you can cross off payments and see your progress towards being debt free. It also lets you add extra payments if you’re trying to pay off your debt quicker. Overall great app!

Needs more work. Overall I think it is a good debt calculator but I would make a few changes. For instance when I put in one of my debts I like putting in the exact interest rate especially on student loan debts. Well the app rounds it to an even percentage which isn’t that accurate. I would like the app to use my exact percentage. Also, I would like it to pay off my debt month by month as I go and be able to put in what I actually owe that month and that might be different than what my actual monthly payment is (its student loans so they are very different) and I would also like it to ask how much extra if any that I paid for that month. I think all of these extra features would add more focus and help see when I’m expected to pay off my debts.

No snowball options. Using ipad pro.. this app needs work. At first the app wouldn't open, I had to delete it and do a reset on my ipad, reinstall it, then finally got it to work. The left side doesn't scroll, so you cant see the information. There are much better app out there. In my opinion.

Thumbs up!. Simple & handy app

Joy. I like how it breaks down the debt snow ball I just wish it could keep a tally that is updated monthly.

What a waste. I just literally paid for this app. I am trying to add the first debt and everyone I put the information in and go to add it it just locks me out of the app. There’s nothing saved. I have to open the app all over again and then enter the information all over again for it to kick me out of the app all over again. This was a waste. There’s no resolution no back button and nothing saved to go back to. I’m so disappointed.

Easy to use - Simplistic - No paywall - One suggestion. I’ve been combing over snowball calculators lately, something to put the information in a simple format. This app is a wonderfully visualizes debt in an easy to read way. The only suggestion or feature I wouldn’t mind having is a way to put in your monthly net income to see how feasible adding extra payments will be for individual situations. Or to a lesser extent a total of monthly overpayments so we can do the math without scrolling. Adding up overpayments and doing the math myself isn’t really an inconvenience, just a thought though.

Not enough for the cost. Needs to allow for tracking payments after snowball plan is generated. Adjust snowball projection based on each entered monthly payment.

Worth every penny!. Simple to use, clear in it’s presentation and user friendly.

Don’t bother. App only works in vertical orientation on iPad. Entered one debt and came back later to enter more - only showed original debt. Added all my debts, synced and still only showed orignal debt entered. Buggy, drag and drop to are custom order didn’t work. No instructions or help file. Save your money.

Edit: Great in-app purchase. Edit: Update greatly improves the chart. It’s now personalized and I plan to print them off. Thanks! Original: There’s no preview of what the in-app purchase chart will look like, but I figured it’s only a dollar and bought it. But the chart is just a name of the debt with a bunch of lines through it. No numbers, no dates. Just a lot of lines. I’m sure the lines mean something but I’m confused as to what.

Great App!. This app is extremely helpful at organizing your debt and creating an action plan that will put you in the right path to becoming debt-free. The feelings most of us have of anxiety and chaos around managing is definitely reduced. Thank you!

Pretty useful!. I purchased this app to help myself achieve my goal to be consumer debt free within a realistic time frame. I give this app 3 stars for the reasons mentioned below. Pros: Not too bad for a one time purchase of $1.99. It’s great to see your overall expenses as “the bigger picture” with the amount of time it would take you to pay off each debt. It’s possible to pay off all your debt sooner than stated by making your own comfortable adjustments with the overall visualization. For me, it’s easier to view my finances in one place versus logging on to each finance app for balances. It’s simple to edit each debt should your balance increase due to a finance charge & or purchase just by tapping the selected creditor. I think this app is a great tool for those who are looking to begin or are already on their journey to financial freedom. LOVE this app for being ad-free!! Cons: The user interface is ok. Dislike there is no settings or help feature to help you navigate through the app. Would be helpful to have a tutorial upon setting up for first time users or even a link to a tutorial for future reference. Would be nice to have a profile set up for the user to enter general information & goals (short term & or long term). Maybe have acheivement awards for reaching said goal or even for paying off a creditor? I personally enjoy & feel proud kf myself when an app recognizes my acheivement for implemented goals. Would also be useful to have a section for each creditor to add some notes for yourself such as a reminder that a double payment is possible for upcoming dates etc. Also this app would be even better if an expense tracker section was add to help the user become more cautious of their spending in terms of a learning tool. Possibly add some “Tip of the day” or “positive encouragement of the day” with daily log ins. Would be perfect to be able to have this app protected by a login with either a username & password or even just a 4 digit pin with fingerprint capability to protect information in case you let someone use your phone for other things & want to keep nosey folks out of your personal business. Lastly, would be nice to be able to back up entries every so often to icloud in case the app somehow gets accidentally deleted etc. I am hopeful that with time, this app can improve with more features. There is always room for improvement! Overall, I would recommend this app to anyone who is looking for a way to see their finances in one place.

Love it!!!. Okay so I just downloaded this yesterday and I already love it! It gives me a visual and something to look forward too! My only request is that you make the app available to Android users. My husband isn’t on the iPhone bandwagon 😊 I can’t wait to start paying off debt

Calculation Errors. I’ve been using this app for a while now with no issues. About a month ago, it randomly deleted all of my information and I has to reinput it. Ever since then, when I pay off a debt and delete it, it extends my debt snowball! The last debt I deleted (about $1800) took my debt snowball from 2.4 years to 3.6 years. This is an ongoing issue that’s been happening and at this point I’m looking for another app that’s accurate. Fix the bugs developers! Also, find a way to record a debt is paid off instead of just deleting it. The app won’t let you put $0 as a balance.

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On the right track. App is beautiful with easy to follow prompts. Lacking in functionality with less features then the other free apps out there. Would love to see extra payments able to be allocated off certain debts, debt charts for total debt able to be created and % of debt paid off available.

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Disappointed I paid for this.. When inputting my line of credit it told me it would never be paid off and to change the data. Which is incorrect. Also it doesn’t seem to save your information so you can keep coming back it just turns it into a printable chart. NOT happy.

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