A pre-launch page can show a screen or it can show the truth. Dressing an earlier build in the language of the current program and calling it a preview is how a screenshot starts making promises the app has not agreed to — and on a page about debt, a promise made by a picture is a particularly bad way to be wrong. The plates go up when they are the real thing.
What is on the first screen
- The date. A month and a year, set large, and nothing competing with it for the top of the screen.
- The monthly number the date assumes — the one figure you control, editable in place.
- The order: which account is being attacked now, and which one the money moves to when it clears.
- The total interest the plan will cost, stated plainly rather than buried in a details sheet.
- One tap to log a payment, because a plan you have to open a form to update is a plan that goes stale.
And one screen behind it
- The schedule: every month from here to the last one, and what is paid to which account in each.
- The comparison: avalanche against snowball, in months and in dollars, switchable without losing anything.
- The lever: what one extra $50 a month does to the date, and what taking it back out does.
- The accounts you entered, editable, with a rate and a minimum each and no bank behind them.
What is deliberately absent
No credit score, no score simulator, no sponsored health check. No offers, no pre-qualified loan, no balance-transfer card presented as a suggestion. No ads. No feed, and nobody else who can see any of this.
No streaks either, and no chart of the months you managed it against the months you did not. Anything that keeps score of a person's consistency eventually punishes the periods that were hardest to survive, and this audience has been punished by enough software already. The date is the only thing being tracked.
Where it stands
Not yet released. It is built for iPhone on iOS 18 and later, with the payoff figures held on the device by the system's own storage — which is why we cannot read them, restore them, or be asked for them.
Enter the register and we write once, on the day it ships. How it works is the method in four steps, and the calculator already runs the arithmetic in your browser for nothing.