Snowball pays the smallest balance first — quick wins keep you motivated. Avalanche pays the highest interest rate first — mathematically cheapest. Both are shown in the app; switch any time and the plan recalculates instantly.
That debt's payment is smaller than its monthly interest, so the balance never shrinks. The warning shows the minimum payment that would start paying it down — raise the payment and the warning clears.
Debtfall assumes monthly compounding, while many lenders accrue interest daily, so projections can differ from your statement by a small amount. They are estimates for planning, not financial advice.
Widgets refresh on their own schedule. Opening the app updates them immediately; otherwise they refresh within a few minutes and always at month boundaries.
By design — lock-screen surfaces are visible to anyone glancing at your phone, so widgets show progress and dates only. You can enable amounts in Settings if you prefer.
Only on your device. No account, no cloud, no bank connections — see the privacy policy. Note this also means deleting the app deletes your debts and payment history.
Settings → Restore Purchases, signed in with the same Apple Account you purchased with.