See the month you're debt-free, then get there faster
Budget app that shows what you can spend today
Stage
Not given
Not given
Founded
Not given
Not given
Based in
US
US
Pricing model
Freemium
Freemium
Pricing
Free: payoff plan, snowball or avalanche strategy, projected debt-free month, reminders. Snowballer Plus: $4.99/month or $39.99/year with 14-day free trial.
Free to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
Key features
Snowball or avalanche debt payoff strategy
Projected debt-free month
Bank sync via Plaid
Spending tracking by typing, voice or receipt scan
Payment reminders
What-if scenario modeling
Custom payoff order
Data export
Account and data deletion
AI-generated coaching
Calculates what you can safely spend today
Budgets over any period (month, fortnight, custom)
Multiple accounts, transfers, and net worth tracking
Recurring rules for rent, salary, and subscriptions
Search and filters over every transaction
CSV export of transactions
Backup and restore via Google Drive, iCloud, or file
App lock with passcode and biometrics
Supports 165 currencies and 5 languages
All data stays on device with optional backup only
What makes it different
Core payoff plan is completely free
Gets you to a debt-free date in about 10 seconds
Read-only bank sync that never sees your password
No budget categories or spreadsheets required
No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
All data remains on your phone; nothing is uploaded without your permission
Shows what you can spend today as one clear number derived from remaining funds and days until payday
Free to start with all features unlocked; you choose whether to pay to continue adding transactions
Snowballer
Ledgerly