Debt Payoff Tracker

The Debt Payoff Tracker — snowball or avalanche, your choice. See your payoff date. Log every payment. Watch debt shrink.

No subscription. No account. No cloud. Download once, open forever.

What's inside:

• Dashboard — total remaining, total paid, projected payoff date (exact month and year), estimated interest cost, and a 6-month preview table
• My Debts — add credit cards, car loans, student loans, personal loans. Log payments individually and keep the full history per debt
• Payoff Plan — toggle between snowball (lowest balance first) and avalanche (highest APR first). Set your monthly extra payment. See the full month-by-month projection and how much each method costs you in interest
• Progress — per-debt progress bars, total paid, debts cleared counter, full chronological payment history
• Settings — default method, extra payment, one-click backup and restore

How it works: Single HTML file (~61 KB). Open in any browser. Your data lives in localStorage on your device — never on a server. Export a backup anytime. Works offline.

The snowball cascade is built in: when a debt clears, its minimum payment automatically rolls into the next one.

Mobile-friendly. Light and dark mode. Free updates for life.