Debt Descent

Debt Descent shows you exactly when you'll be debt-free. Enter your real balances and APRs and it runs Snowball and Avalanche side by side: the payoff date, total interest and total paid for each, and a "descent to zero" chart of every balance falling. Add the extra you can pay each month and see what it buys you; add a future bonus or tax refund and watch the date move.

It handles the parts of real life that get in the way of a plan: a balance transfer or consolidation loan modeled before you take it, 0% promos that revert, deferred-interest store cards with their deadline, student-loan deferment, and one monthly payment that covers several debts (a debt management plan) split to the cent. Log payments and the Progress tab tracks you against the plan.

Native SwiftUI on the Mac: a menu bar item with your debt-free month, a desktop widget, your debts in Spotlight, keyboard shortcuts, and its own text-size slider. Scan a paper statement or open a PDF and it reads the balance, APR, minimum and due date on-device.

Free to use. Pro is a one-time $14.99 that covers Mac, iPhone and iPad, with Family Sharing. No accounts, no bank linking; App Privacy: Data Not Collected. Sync runs through your own iCloud.