Debt Ladder

Spec sheet

What it does

Debt Ladder turns manually entered cards and loans into a payoff order, per-debt payoff dates, total interest and a projected debt-free date.Read 15 Oct 2026 · adelyons.com

Purpose

Debt Ladder turns entered cards and loans into a payoff order, per-debt payoff dates, total interest, and a debt-free date.Read 30 Sep 2026 · adelyons.com

Platforms

Debt Ladder is built for iPhone and Android and is offered through the App Store and Google Play.Read 30 Sep 2026 · adelyons.com

Support

Support is provided by email at [email protected], with users asked to include their device and the action they were taking.Read 15 Oct 2026 · adelyons.com

Headquarters

Council Bluffs, Iowa, United StatesRead 28 Sep 2026 · adelyons.com

Accuracy limitation

The maker warns projections can differ from lender balances because of fees, promotional or variable rates, compounding and posting schedules.Read 15 Oct 2026 · adelyons.com

Advice status

Debt Ladder describes itself as a planning and calculation tool rather than financial advice.Read 30 Sep 2026 · adelyons.com

Android data-safety disclosure

Google Play reports no data shared with third parties, possible collection of financial information and device identifiers, encryption in transit and data-deletion requests.Read 15 Oct 2026 · play.google.com

Android listing update

Google Play records an update on October 9, 2026 and describes a referral feature granting both users 30 days free.Read 15 Oct 2026 · play.google.com

App size

The Brazilian App Store listing reports a download size of 29.7 MB.Read 15 Oct 2026 · apps.apple.com

Apple privacy disclosure

Apple's Brazilian listing says purchase history and user identifiers may be collected but are not linked to the user's identity.Read 15 Oct 2026 · apps.apple.com

Avalanche strategy

The avalanche option prioritizes the highest APR and is described as usually minimizing total interest.Read 15 Oct 2026 · adelyons.com

Bank connections

Debt Ladder has no bank login, aggregator, or bank-linking feature, and users type their balances themselves.Read 30 Sep 2026 · adelyons.com

Bank integrations

The app has no bank connection, Plaid integration, account login or aggregator; balances are typed by the user.Read 15 Oct 2026 · adelyons.com

Charts

The Pro tier includes balance-over-time charts comparing the plan with minimum-payment progress.Read 15 Oct 2026 · play.google.com

Check-ins

The monthly check-in lists expected payments and lets users record payments as they make them.Read 30 Sep 2026 · adelyons.com

Data deletion

Uninstalling removes on-device data; anonymous purchase-validation records can be requested for deletion by email within 30 days.Read 15 Oct 2026 · adelyons.com

Data storage

Debt records, payment history, strategy choices, projections and reminders are stored locally and are not sent to the maker's servers.Read 15 Oct 2026 · adelyons.com

Debt entry

Users enter each debt's name, balance, APR, minimum payment and due day.Read 15 Oct 2026 · adelyons.com

Extra payments

Users can record an extra payment of any amount on any day and have the plan recalculate immediately.Read 15 Oct 2026 · adelyons.com

Financial-advice limitation

Debt Ladder states that it is a planning calculator rather than financial, legal or tax advice.Read 15 Oct 2026 · adelyons.com

iOS requirements

The Brazilian App Store listing requires iOS 13 or later and lists iPhone, iPad, Apple Vision and Apple Silicon Mac compatibility.Read 15 Oct 2026 · apps.apple.com

License and extensibility

No open-source license, public API, SDK, developer documentation or self-hosting option is stated on the product, support or privacy pages.Read 15 Oct 2026 · adelyons.com

Limit: manual data entry

Because there is no bank connection, users must enter and update balances, rates and payments themselves.Read 15 Oct 2026 · adelyons.com

Limit: narrow platform scope

The maker presents Debt Ladder as an iPhone and Android app; no web, Linux, Windows or self-hosted edition is documented.Read 15 Oct 2026 · adelyons.com

Local storage

Debts, balances, rates, payment history, strategies, projections, and settings are stored only on the device and are not sent to a server.Read 30 Sep 2026 · adelyons.com

Maker catalog

Adelyons describes itself as an independent studio that designs, builds and supports native iOS and Android apps in-house.Read 15 Oct 2026 · adelyons.com

Maker headquarters

Google Play identifies Adelyons Software LLC at 213 Midland Dr, Council Bluffs, Iowa 51503-0411, United States.Read 15 Oct 2026 · play.google.com

Monthly check-in

A check-in screen lists expected payments, lets users mark payments made, and updates balances and projections.Read 15 Oct 2026 · adelyons.com

Notifications

Optional notifications are used for local monthly check-in and per-debt due-date reminders scheduled on the device.Read 30 Sep 2026 · adelyons.com

Offline operation

The Google Play listing says the app works without a connection because balances, rates and payments remain on the phone.Read 15 Oct 2026 · play.google.com

Praise: privacy focus

The Apple listing repeatedly emphasizes no bank access, no account and no advertising, while keeping balances and payments on the device.Read 15 Oct 2026 · apps.apple.com

Purchase processing

Apple or Google process Pro purchases and RevenueCat validates them using an anonymous app-instance identifier and purchase record.Read 15 Oct 2026 · adelyons.com

Rating on Apple App Store (Brazil)

No rating summary; Apple says the app has not received enough ratings or reviews.Read 15 Oct 2026 · apps.apple.com

Rating on Apple App Store (France)

No rating summary; Apple says the app has not received enough ratings or reviews.Read 15 Oct 2026 · apps.apple.com

Rating on Apple App Store (Netherlands)

No rating summary; Apple says the app has not received enough ratings or reviews.Read 15 Oct 2026 · apps.apple.com

Reminders

The free tier includes payment reminders and monthly check-in tracking.Read 15 Oct 2026 · adelyons.com

Snowball strategy

The snowball option prioritizes the smallest balance to create earlier completed debts and motivational progress.Read 15 Oct 2026 · adelyons.com

Strategies

It supports both the debt snowball method and the debt avalanche method and compares their results on the user's numbers.Read 30 Sep 2026 · adelyons.com

Tracking

Debt Ladder contains no advertising, does not track users, and does not sell or share personal information.Read 30 Sep 2026 · adelyons.com

Tracking and advertising

The privacy policy says Debt Ladder has no advertising, analytics tracking or sale of personal information.Read 15 Oct 2026 · adelyons.com

What-if tools

Pro includes monthly-extra-payment sliders, one-off snowflake simulations, strategy comparisons and interest-saved projections.Read 15 Oct 2026 · adelyons.com

Plans and prices

Every Debt Ladder plan and price →

Where Specifiction places it

• Debt Management Software#1 of 239.1