See the month you'll be debt-free.
Enter each debt's balance, interest rate and minimum payment. Pick snowball, avalanche or your own order, and Owlow plans every month for you. No account, no subscription, works offline.
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Your debt-free date, right away
As soon as you add one debt, Owlow shows the month and year you'll be done, how many months are left and how much you've already paid off.
Snowball, avalanche or your own order
Smallest balance first for quick wins, highest interest first to pay the least, or move debts up and down yourself. Switch any time and the plan updates.
Interest is part of the math
Each month the plan adds interest from your APR before paying, so the payoff date is honest, not just balance divided by payment.
See what paying extra does
Compare 'minimums only' with your plan side by side, then drag a slider to see how a little more each month moves your date.
Log a payment in one tap
'This month' lists what to pay on each debt and when. Tap a row, check the amount and it's logged. One-time extras like a tax refund too.
Mistakes are easy to undo
Delete a payment and its amount goes back to the balance. Edit a debt's balance or rate whenever your statement says something different.
Monthly, every 2 weeks or weekly
Paid every other Friday? Enter your budget per pay period and Owlow converts it for the plan.
Reminders and a widget
A reminder on the morning a payment is due, and a home screen widget with your debt-free date and a one-tap payment check.
FAQ
- Do I need to create an account or log in?
- No. Owlow has no sign-up and no login. Your debts and payments stay on your phone, and the app works without internet.
- Is snowball or avalanche better?
- Avalanche (highest interest first) usually pays the least interest. Snowball (smallest balance first) gives quicker wins, which helps many people stick with it. Owlow shows both so you can compare.
- Does the payoff date include interest?
- Yes. Every month Owlow adds interest from each debt's APR before applying payments, so balances with high interest take longer, like they do in real life.
- Can I log a one-time extra payment?
- Yes. Use 'Log an extra payment' for a bonus, a tax refund or any lump sum. The balance updates right away and your debt-free date moves.
- I get paid every two weeks. Can I plan for that?
- Yes. Set your budget per month, every 2 weeks or every week. Owlow converts it to a monthly amount for the plan.
- What if I typed a payment wrong?
- Open the debt, find the payment and delete it. The amount goes back to the balance and you can log the correct one.
- Does Owlow connect to my bank?
- No. Owlow never connects to banks or lenders and never moves money. You type the numbers, which keeps it private and simple.
- Is it really free?
- Yes. Every strategy and feature is included. Owlow is supported by ads instead of a subscription.
Guides
Owlow is free and supported by ads. There are no ads on the screen where you edit a debt. Dates and interest are estimates based on the numbers you enter and are not financial advice.