Hourglass
A forward-looking debt payoff calculator. See exactly when you'll be debt-free, and how much interest you'll save along the way.
Download on the App Store Privacy PolicyGive me my numbers. Show me my future.
Most debt tools track what you've paid. Hourglass shows what you could pay, and what that's worth. Enter your debts, run a scenario, and see the difference a little extra payment makes.
No bank connection. No balance syncing. No ongoing data entry. Just the math, clearly laid out, on your device.
Put one extra monthly budget toward everything you owe. Hourglass orders your debts, shows the month each one is paid off, and rolls each finished payment into the next. Pro feature.
Pay the smallest balance first for quick wins, or the highest APR first to save the most. Hourglass compares both on your own debts: total interest, first debt cleared, and your debt-free date. Pro feature.
Ask "what if I pay $X extra per month?" and see the payoff date, total interest, and time saved, side by side with paying just the minimum.
A month-by-month schedule of payment, principal, interest, and balance, for your current plan and any extra-payment scenario.
Give a debt a due date and Hourglass reminds you the day before, so a payment never slips. Reminders are scheduled on your device, and one switch in Settings turns them off.
You add each loan or card yourself: balance, APR, minimum payment, due date, and notes. Nothing connects to a bank, there's no account, and your debts stay on your device. We don't want your credentials.
See your way out.
Add your debts and see the date you'll be done, worked out on your phone.
Download on the App Store