Savvy Debt Payoff Planner vs Debt Free Box: Snowball Payoff Usage & Stats
Savvy Debt Payoff Planner is ad-free with a 100% free and paid version that puts money back in your pocket each month by sharing interest savings insights. Savvy encourages you by sharing often how much you put back in your pocket. Savvy’s budget helps compliment your debt payoff plan to understand your entire financial outlook each month.
Savvy hates debt, so its goal is to get you out of debt easier, cheaper, and faster.
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HOW WE MAKE DEBT FREEDOM EASIER:
1) Debt can be stressful. Savvy debt payoff assistant is first an encouragement focused app that shares how much you are actually putting back in your pocket each month
2) Savvy tells you what you pay and how much to pay towards each of your debts each month. Once your minimums are paid, Savvy will tell you where to put the extra money.
3) Have questions? Text us 24/7. We are ready to serve you.
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HOW WE MAKE DEBT FREEDOM CHEAPER:
1) The average user may save over $2,000 by using Savvy even after the monthly fee compared to using a debt payoff planner using the Snowball method based on our recent study. How?
Savvy was built using our proprietary Savvy debt payoff method. It’s not the snowball method or the avalanche method. Instead, the Savvy debt payoff method provides the psychological benefit from the Snowball method and the interest savings of Avalanche.
2) How much does Savvy cost? Savvy’s goal is to get you out of debt. We do not want to push ads or try to provide financial products you don’t need
Savvy provides a free version that is ad-free as we want everyone to get out of debt. Savvy also offers a free 30-day trial followed by a subscription fee of $5.99 a month. We have to prove to you that we provide enough value before you provide a dime.
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HOW WE MAKE DEBT FREEDOM FASTER:
Because we save the average user over $2,000, you get out of debt faster. Let’s shave a couple of months off of your debt freedom date together.
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COMMON QUESTIONS
1) Do you allow me to add my accounts manually or automatically?
Both. Savvy is designed to serve the very busy population by allowing you to add your accounts automatically by giving read-only access to view transactions via your bank account (see security question below).
If you are wary about security and/or you’d like to control the process, you can also add your accounts and your transactions manually. You are in control. You decide.
2) Let’s talk about security. How do you keep me secure with automatic account integration?
Savvy protects your transaction information with read-only access and bank-level security via your financial institutions. Your data is your data, which means we never would share with third parties.
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When you download and use Savvy, you agree to Ascend's Terms of Use:
https://tryascend.com/legal/terms-of-use
Message and data rates apply. Mobile data is required for your financial information to refresh. Your account balances may not reflect recent transactions immediately.
Ascend connects to US financial institutions only.
- Apple App Store
- Free
- Finance
Store Rank
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Getting out of debts is the first step on the journey towards financial freedom, and Debt Free Box is your companion on that journey.
Debt Free Box is the easiest to use Debt Payoff management app – no need to track every transaction or detail – just set up your payoff plan once and app will help you follow it through until you are fully Debt Free.
Do you have a mortgage, car loan, student loan or any other debt that you’ve struggled with for years or months trying to clear it? You are not alone. The Debt Free Box will ease your mind by helping you plan to pay off your debts on time.
You no longer need to be overwhelmed by debts when there’s an app that will organize all debts in one place and help you clear them fast.
This app is FREE, so you can as well hit the install button now!
Why You Will Love Debt Free Box:
Snowball method and extra payment strategy:
- Define in which order you want to pay off your debts - smallest first? or highest interest first?
- Use released monthly funds to pay off subsequent debts faster (like a snowball)
- Add extra payment every month and see how much you will save interest and time
“Fast forward”:
- No need to manually enter your transactions! Just tell app to fast forward for you
- Fast forward allows app to update your debt to current status as if you were following initial plan
- You can manually update your debts or change your payoff plan any time
Simple and clean user interface with no ads
– This helps you to see results clearly and quickly.
New/Edit debt option – Allows you to edit:
- Name
- Category of the debt (auto, bank, credit card, student loan, medical, mortgage, computer, bill consolidation and others)
- Remaining balance
- Loan amount
- Interest rate
- Next due date
- Minimum monthly payment
Shows payment schedule details:
- Balance
- Pay off debt
- Interest
- Payment amount made
- Principal
- Remaining balance
Fastest payoff - The app calculates the cheapest and fastest method of paying off your entire debt.
It gives you total control – You can go through your debts and decide which debts you should pay off first and the extra amount to pay. The app helps you to remain focused on your plan.
Supports all types of debt -The Debt Free Box supports different types of debts including credit card, cash loan, student loan, car loan, mortgage and more.
What-if analysis – You can try out different ‘What-if’ scenarios such as a change in the interest rate or extra monthly payments.
Extra payment option – Helps to calculate interest and time savings.
Super compatible – It’s optimized to work on all your preferred mobile devices.
Regular updates – No more bugs or annoying crashes. The app has periodic updates to ensure it works flawlessly. The updates may also come with some new, awesome, bonus features.
Feel free to drop us a line! We’re always listening to your suggestions to improve Debt Free Box. If you have any issues with the app, just contact us and we will help you!
** Are you loving our app? We’d love to hear about it! Please take a moment to leave us a nice review. It really helps! **
While you’re in the sharing mood, go ahead and throw us a like on Facebook too, THANKS.
We appreciate your support greatly! You inspire us to make more great apps like Debt Free Box. Start leaving debts behind by installing the Debt Free Box on your mobile device!
- Apple App Store
- Free
- Finance
Store Rank
- -
Savvy Debt Payoff Planner VS. 
Debt Free Box: Snowball PayoffJanuary 16, 2026