Pay once, own it
One payment of $39, versus about $14.99 a month for a typical budgeting app
A debt payoff planner you pay for once
See your debt-free date, compare snowball and avalanche, record every payment and watch your debt disappear. No subscription, no bank login and no monthly fees. It works offline on your own computer.
$39 once. No subscription.
Why people choose Storm Debt Planner
Private by design
Your balances stay on your device. No bank login, no cloud, no tracking
Works offline in your browser
Works offline. Open it in Chrome, Edge, Safari or Firefox
Try it with demo data
Comes with a complete demo plan, so you can explore before entering your own debts
Everything in one app
Snowball or avalanche plans, payments, budget and progress in one offline app.
Your Plan
- Your debt-free date, updated with every payment
- Snowball, avalanche or your own custom order, compared side by side with the interest each one saves
- When a debt is paid off, its payment rolls into the next one automatically
- What if: try an extra monthly payment, a tax refund or bonus, or a lower rate, and see your new date before you commit
Payments and Due Dates
- Record a payment and the app splits it into interest and principal
- A due date calendar for every debt, plus reminders for your phone calendar
- A celebration every time a debt is paid off
Budget and Goals
- A simple budget to find extra money for your plan
- Savings goals, like a starter emergency fund
- Milestones, monthly check-ins and progress charts
Reports
- Printable payoff plan, payment history, amortization schedule and budget
- CSV export
Snowball or avalanche? See both
Compare methods side by side and see exactly how much interest each one saves.
- Interest saved. Shown for each method.
- Custom order. Move debts up or down.
What if you paid a little more?
Try an extra payment, a tax refund or a lower rate and see your new debt-free date.
- New debt-free date. Updates as you type.
- Lump sums. Bonus or tax refund.
Every payment, split for you
Record a payment and the app works out the interest, the principal and the new balance.
- Principal and interest. Calculated for you.
- Paid off!. A celebration for every debt.
Never miss a due date
A calendar of every payment, with reminders you can add to your phone.
- Phone reminders. Two days before.
- Minimums covered. See what is due.
Watch your debt disappear
Milestones, monthly check-ins and charts that show how far you have come.
- Milestones. From first payment to debt free.
- Paid by month. See your momentum.
Pay once, not every month
Own your software. No renewals, no price rises and no lock-out.
Typical budgeting app
$14.99 /month
- About $109 to $180 a year
- Pay again every year
- Your bank details and balances live online
- Stops working when you stop paying
Storm Debt Planner
$39 once
- Unlimited debts and payments
- No subscription, ever
- Data stays on your computer
- Works without internet
Subscription pricing based on published plans of popular budgeting apps, November 2026.
Security and backups
Password plus PIN lock, auto-lock when idle, and a recovery key
One-click backup and restore, light and dark mode
How it works
Download the file after purchase
Double-click to open it in your browser
Load the demo plan or start fresh with your own debts
Frequently asked questions
Do I need to install anything?
A single Storm Debt Planner file (HTML), delivered instantly. There is nothing to install and no sign-up.
Does it sync between devices?
Data is saved in the browser on the computer you use. It does not sync between devices. Export a backup regularly from Settings. To move to another computer, copy the file and restore your backup there.
What does it run on?
Works on Windows, Mac and Chromebook in Chrome, Edge, Safari or Firefox. It also opens on phones and tablets.
Is there a subscription?
No. You pay $39 once and the app is yours to keep. There are no monthly fees and no online account.
I own the earlier version. Will my data carry over?
Open the new file in the same browser and your debts, payments and budget are brought across automatically.
Can I get a refund?
Because it is a digital download, returns aren't accepted. Message us with any questions before or after you buy.
Anything else I should know?
Projections assume your rates and minimums stay the same. This is a planning tool, not financial advice.
Start your payoff plan with Storm Debt Planner
$39 once. No subscription.