Debt payoff planner

Drop the debt.
Find your fastest way out.

Paying only the minimum keeps you stuck for years. Ballasto compares snowball and avalanche for free, shows your debt-free date and tells you who gets how much each month.

Strategy comparison free
No account, no bank login
No ads, no loan offers

Coming soon to Google Play and the App Store.

Debt list with the hero card “Debt-free by December 2028”, total debt and four debts with balance, rate and minimum payment

Free comparison

Snowball or avalanche? See both.

Avalanche pays the highest interest rate first and saves the most money. Snowball clears the smallest balance first for quick wins. Ballasto puts both side by side – with your numbers.

Prefer your own order? Drag your debts into place. The comparison never sits behind a paywall.

Plan tab with avalanche selected, 200 dollars extra per month and a table comparing avalanche, snowball and minimums only

Your plan

A date to look forward to.

Your debt-free month, the total interest still ahead and the order in which every debt disappears – recalculated the moment you change something.

Once a debt is gone, its payment rolls over to the next one. That is how the snowball gains speed.

Plan result “Debt-free by December 2028” with total interest and the payoff order of four debts

Minimum payments keep you paying.
A plan gets you out.

In our example with four debts, a plan with $200 extra a month is debt-free five years sooner than paying minimums only – and costs about $4,800 less interest.

Month by month

Who gets how much this month?

Every debt gets its minimum, the extra money goes to the one in focus. And “what if I paid $50 more?” is one tap away.

The full schedule shows every month until the last payment.

This month’s payments per debt and the what-if card with 50 dollars more per month

Progress

Check it off. Watch the weight drop.

Tick off each payment, see the ring fill up and collect milestones – first debt gone, halfway there, debt-free.

Optional reminders a few days before each due date, scheduled on your phone – no server involved.

Progress ring at 23 percent, milestones and the monthly checklist with one payment checked off

Try it here

Snowball vs. avalanche calculator

Enter up to five debts. Everything is calculated in your browser – nothing is sent anywhere.

Extra per month $

Same model as the app: interest monthly (APR ÷ 12), fixed minimum payments, freed-up payments roll over. Estimate only – not financial advice.

The difference

From stuck to sorted.

Minimum payments everywhere, no end in sightA debt-free date you can plan with
Guessing which debt to pay firstSnowball and avalanche compared, free
Spreadsheets that break with every changeA monthly plan that updates itself
Forgotten due dates and late feesReminders before each payment is due
Apps that want your bank loginYour numbers stay on your phone

Everything for the way out.

What if …?

Add $25, $50 or $100 a month and see right away how many months sooner you are free.

Due-date reminders

A nudge a few days before each payment. Scheduled on your phone, no account needed.

Free help, clearly visible

Links to free, non-profit debt counseling in your country – instead of loan ads.

Private and locked

No bank connection, no account. Optional app lock with fingerprint, face or device PIN.

PDF for your counselor

With Pro: your plan as a PDF to print or bring to a debt counseling appointment.

Pro for comfort

Unlimited debts, one-time payments, charts, couple mode and an encrypted backup.

strategies compared for free

app languages

bank logins or loan ads

Quick questions.

Who is Ballasto for?

For anyone juggling several debts – credit cards, store cards, an overdraft, personal or car loans, buy now, pay later – who wants a clear order and a date to aim for.

What does Ballasto cost?

The calculator, the snowball vs. avalanche comparison, your monthly plan, check-offs, reminders and the help page are free for up to 3 debts. Ballasto Pro (monthly or yearly subscription) adds unlimited debts, one-time payments, charts, a PDF plan, couple mode and an encrypted backup. The price is shown in the store.

How does Ballasto make money?

Only through the optional Pro subscription. No ads, no selling of data and no commissions from lenders – Ballasto never recommends loans or debt consolidation.

Is this financial advice?

No. Ballasto is a calculator. It uses your numbers and a simplified model (monthly interest, fixed minimum payments), so real statements can differ. For advice, talk to a free non-profit credit counselor.

Snowball or avalanche – which is better?

Mathematically, avalanche (highest interest first) usually costs the least. Snowball (smallest balance first) brings quick wins, which helps many people stick with it. The best plan is the one you keep – Ballasto shows the difference in money and months.

Is my data safe?

Your debts stay on your phone. There is no account and no bank connection. You can lock the app with fingerprint, face or device PIN, and backups (Pro) are encrypted with your password.

Which languages and currencies are supported?

The app speaks English, German, Spanish, French and Italian and calculates in US dollars, euros, Swiss francs, British pounds, Canadian and Australian dollars. It is coming soon for Android and iPhone.

I feel overwhelmed. Where can I get help?

Free, non-profit counseling helps – in the US for example through the NFCC (nfcc.org, 1-800-388-2227). The app lists contacts for the US, Germany, Austria, Switzerland, the UK, Canada, Australia, France, Italy and Spain.

Get Ballasto.

Enter your debts, pick a strategy, check off the first payment.

Coming soon for Android and iPhone · not financial advice

Drop the debt.Find your fastest way out.