DebtDrop is a free iOS app that helps you build a clear debt payoff plan and stick to it. I built it because I'm a grad student with $75K in student loans and couldn't find a simple tool that showed me exactly when I'd be debt-free. Add your debts, pick snowball or avalanche, and see your payoff date instantly. The app handles the math automatically — including freed-up payments rolling forward as you knock out each debt. Free to use. Premium unlocks detailed schedules and analytics.