Hourglass
A forward-looking debt payoff calculator. See exactly when you'll be debt-free, and how much interest you'll save along the way.
Download on the App Store Privacy PolicyGive me my numbers. Show me my future.
Most debt tools track what you've paid. Hourglass shows what you could pay, and what that's worth. Enter your debts, run a scenario, and see the difference a little extra payment makes.
No bank connection. No balance syncing. No ongoing data entry. Just the math, clearly laid out, on your device.
Create named profiles for each debt: car loans, credit cards, student loans. Store the balance, APR, minimum payment, and optional notes.
Ask "what if I pay $X extra per month?" and see the exact payoff date and total interest saved, compared side by side with the minimum payment path.
See a month-by-month breakdown of your balance, interest paid, and principal paid, for your current plan and any extra-payment scenario.
All your debt profiles and scenarios live in a local SQLite database on your device. No backend, no cloud sync, no account required.
Everything is entered manually. Hourglass never connects to a bank, financial institution, or data aggregator. We don't want your credentials.
Free for 30 days, no credit card required. Then unlock forever with Hourglass Pro, a $4.99 one-time purchase through the App Store. No subscription, no recurring charge.