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dev@adelyons.comHow do I add a debt?
On the Debts tab, tap +, choose Card, Loan, or Other, and fill in the name, balance, APR, minimum payment, and due day. You can edit or archive a debt later from the same list.
Where do I find my APR and minimum payment?
Both are on your most recent statement, and usually in your lender's app. Enter the purchase APR for a credit card. If a rate is promotional or variable, enter today's rate and update it when it changes — Debt Ladder re-projects from whatever you enter.
Snowball or avalanche — which should I pick?
Snowball pays the smallest balance first, so debts disappear sooner and momentum builds. Avalanche pays the highest APR first and usually costs less interest. Open What if to see both run on your own numbers, with the two debt-free dates and the difference in interest.
How do I log a payment?
Open Check-in. This month's expected payments are listed — tap to log each one as you make it. To log something extra, use Extra payment, enter any amount, pick the debt it goes to, and save. The plan and your debt-free date update immediately.
What does Pro unlock?
Unlimited debts, snowball-versus-avalanche comparison, what-if sliders including one-off snowflake payments, interest-saved projections, and the balance charts. The free tier covers up to three debts with full check-in tracking and your debt-free date.
What are the plans?
Annual starts with a 7-day free trial and then bills yearly. Monthly bills monthly. Lifetime is a single one-time purchase with nothing to renew. Prices come from the App Store or Google Play and are shown in the app before you buy.
How do I restore my purchase?
Go to Settings → Restore purchases, or the Restore link on the upgrade screen. Make sure you're signed in to the same App Store or Google account you purchased with.
How do I cancel my subscription?
Manage or cancel anytime in your device's store settings: App Store → your name → Subscriptions, or Google Play → Payments & subscriptions. A one-time Lifetime purchase has nothing to cancel.
Does Debt Ladder connect to my bank?
No, and it never will. There is no bank login, no aggregator, and no account. You type your balances in and they stay on your phone. See our Privacy Policy.
Why doesn't my balance match my lender exactly?
Debt Ladder projects from the numbers you enter. Lenders add fees, apply promotional or variable rates, compound differently, and post payments on their own schedule. Treat the projection as a plan, and your statement as the truth — update the balance at check-in and the plan stays close.
Is this financial advice?
No. Debt Ladder is a planning tool, not financial advice, and it does not recommend financial products. For advice about your situation, talk to a qualified professional.
Email dev@adelyons.com and we'll get back to you. Please include your device and what you were doing.