Pay off debt in the order that keeps you going.
Tally Wyze runs the debt snowball for you — every payment, every rollover, every payoff date — inside a budgeting app you buy once and own forever.
Buy onceiOS & AndroidFree updatesNo ads
Three steps. Then it compounds.
The debt snowball works because the wins arrive early enough to keep you in the fight. Tally Wyze handles the bookkeeping so you only have to handle the payment.
List every balance
Card, car, student loan, the $400 you owe your brother. Balance, minimum, APR. Two minutes of typing, once.
Attack the smallest
Tally Wyze sorts the pile and tells you exactly where every spare dollar goes this month — and what it buys you.
Roll it forward
When one is gone, its payment stacks onto the next. The snowball gets heavier, the dates get closer, and you can see it happening.
Everything the plan needs.
Nothing that sells your data.
Snowball or avalanche
Sort by balance for momentum or by interest rate for math. Switch anytime and compare both payoff dates side by side.
A real payoff date
Not a vague someday. An actual month, recalculated the moment you log a payment or change a number.
What-if extra payments
Throw an extra $50 at the plan and watch the finish line move. Bonus, tax refund, side gig — see what each one is actually worth.
A budget that stays simple
Categories, planned versus actual, and one honest number at the bottom: how much is genuinely free to throw at debt this month.
Milestones worth seeing
Every balance you close gets a screen you will want to look at. Visible progress beats willpower, every month of the year.
Your ledger stays yours
No bank connection to authorize, no ad network, no profile being built in the background. It lives on your phone.
Built to be opened on a Tuesday night.
Big numbers, few taps, no dashboards you have to decode. You should be able to log a payment before the microwave finishes.
Buy it once. That is the whole business model.
A budgeting app that charges you every month is a strange thing to buy while you are trying to spend less every month.
Not per month. Not per year. Once.
- Every feature unlocked from day one
- Free updates, no upgrade tier
- iPhone and Android
- No account, no ads, no data sold
Three years from now, still $0 per month.
Reasonable questions.
Is there really no subscription?
Really. You pay once in the App Store or Play Store and the app is yours, including future updates. There is no premium tier waiting behind a paywall.
Snowball or avalanche — which should I use?
Avalanche pays less interest on paper. Snowball closes accounts sooner, which is what keeps most people from quitting in month four. Tally Wyze shows you both payoff dates so you can decide with real numbers instead of a blog post.
Does it connect to my bank?
No. You enter your balances and log your payments. That means no credentials to hand over, no aggregator in the middle, and nothing to re-authorize every ninety days.
Is it on both iPhone and Android?
Yes — the same app, the same one-time price on each store.
What if I take on a new debt later?
Add it and the plan re-sorts itself. Your payoff dates update immediately so you can see exactly what the new balance costs you in time.
Who makes Tally Wyze?
Forge Perfect, a small software company in Washington state. Same shop behind Dray Flow.