Got questions about paying off debt? This FAQ answers what anyone working to get out of debt ask most — clearly and without jargon — and points you to a free app that handles the hard parts.
Quick How-To
- Start simple. Enter your basics once so everything is tailored to you.
- Log consistently. A few taps each time is all it takes.
- Act on the numbers. Let the app tell you the next step.
- Review and adjust. Use the trends to improve over time.
Frequently Asked Questions
Snowball or avalanche — which is better?
Avalanche saves the most interest; snowball keeps you motivated. The app shows both.
Will overpaying my mortgage really help?
Yes — even small regular overpayments cut total interest and years off the term.
Does it connect to my bank?
No — it is fully offline and private; you enter balances manually.
Can I model a lump-sum payment?
Yes — use the what-if scenarios to see the impact on your payoff date.
Does it work offline?
Yes — all planners and calculators work without a signal.
Is the app free?
Yes — the planners and calculators are free, with an optional ad-free Pro upgrade.
What the Free App Does For You
Debt & Mortgage Payoff brings it all together:
- Debt snowball and avalanche planners
- Payoff date and total-interest projections
- Mortgage repayment and overpayment calculator
- Amortisation schedules
- Extra-payment what-if scenarios
- Progress charts and milestones
…and more — all offline, private, and free with an optional ad-free Pro upgrade.