OweSpring
Break free from debt. Build what's next.

Choose your currency. All amounts in a plan use the same currency. Changing it does not convert balances.

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Debt payoff planner

Make your next payment count.

Small wins. Growing momentum. A clear finish line.

Your debts

Example debts — replace these with your own numbers.

DebtBalanceAPRMinimumActions

Your path to zero

Monthly payment schedule

View month-by-month breakdown

Payment history

Your files

Export & backup

Read your plan, keep a restore copy, or print it.

Download a readable plan

Your PDF includes your debts, recorded payments, monthly projections, and personal goal when provided.

Save a restore backup

Save your current plan as a JSON file. Use Restore plan here to load a backup again. This file is for restoring data; use PDF for reading.

Restore a JSON backup to replace your current plan after confirmation. PDF and CSV files cannot be restored. Sign in to recover your cloud plan on another device.

The plan backup does not include your profile or sign-in details. To include your name and goal, use Export my data in Account. Keep your backup private.

Print your plan

Open the printable payoff plan and monthly breakdown. Your browser may also offer Save as PDF.

Bank connections

Your accounts, in one place.

Import supported debts and keep your payoff plan in step with your statements.

Connected institutions

Refreshes run when you open the app and every five minutes while it stays open. Bank data can be delayed. The last sync time shows when we retrieved data, not when your bank updated it.

Detected payment activity

Possible posted payments from connected debt accounts appear here for review. Bank-synced balances already include these transactions; confirming a payment will not subtract it again.

Your consent and control

Bank access is read-only. You choose which accounts to connect through Plaid. Disconnect an institution whenever you want.

This app receives account balances, debt details, and eligible transaction data. Bank passwords are entered in the connection provider’s flow, never in this app. Connection coverage and available fields vary by institution. Review your APR and minimum payment before using an imported debt in your plan.

Plaid privacy and terms
Plans

Choose how you build momentum.

Start free. Premium is being planned and is not available to buy.

Guest · Available

Try the planner

  • Up to 3 debts at a time
  • Snowball and avalanche strategies
  • Payoff projections and extra-payment budget
  • Device saving and JSON backup
Free account · Available
$0

Your everyday payoff plan

  • Up to 5 debts at a time
  • Record payments and manage history
  • Private plan across devices
  • PDF reports, CSV, printing and backups
  • Personal goal and optional 2FA
Premium · Coming soon

Explore more possibilities

  • More than 5 debts per plan
  • Save and compare extra-payment scenarios
  • Multiple separate payoff plans
  • Configurable reminders
  • Detailed balance and interest reports

Planned features may change. Pricing and release date have not been announced.

Not available for purchase yet.

Your free account will remain available. Premium will be optional.

Existing plans with more than 5 debts are kept. You can view, edit, record payments and back up those debts. Adding another debt requires staying within the current limit.

Account

My account

Set up two-factor authentication

Add this account in your authenticator app using the QR code or the setup key.

Authenticator setup QR code

Save the key securely or add a second authenticator as a backup. Keep access to your authenticator; no recovery codes are generated.

Remove authenticator

Enter the current code from this authenticator to remove it. Removing your last authenticator turns off 2FA.

Connect with your permission

Snowball will read supported account balances, debt details, and transaction activity through Plaid to build and update your plan.

No money transfers are authorized by this connection.

OweSpring app icon

OweSpring on your phone

Your debt payoff plan, always within reach.

Add OweSpring to your Home Screen to open it in its own app window.

  1. Open this app in Safari.
  2. Tap Share. Depending on your Safari layout, open the page menu first.
  3. Choose Add to Home Screen.
  4. Keep the name OweSpring. Turn on Open as Web App if shown, then tap Add.
  1. Open this app in Chrome.
  2. Tap the three-dot menu.
  3. Choose Install and create shortcut, then Install. Some versions show Install app or Add to Home screen.
  4. Confirm, then open OweSpring from your Home Screen.

Open OweSpring directly from your Home Screen. Internet access is required. Sign in with the same email inside the installed app to recover your cloud plan. A plan saved only in a browser may not appear in the installed app. Keep a downloaded backup before switching.

This release installs from your browser. App Store and Google Play versions have not been published.

Add a debt

Your free plan includes up to 5 debts

You can continue viewing, editing and tracking payments on your current debts. Premium will offer more than 5 debts when it becomes available.

Premium is not available to buy yet. Your existing plan will not be erased.

Free account

Keep building your debt-free plan

Create a free account for up to 5 debts, payment tracking, PDF reports and access across devices.

Your current plan stays here. You can keep viewing it and save a backup without creating an account.

What would you like to erase?

Choose an option to see exactly what will be removed.

Erasing app data keeps your sign-in account. Choosing Delete OweSpring account permanently removes your account and cloud data; a backup cannot restore your account. Downloaded files and separate device copies are not erased.

Save your file

Tap Save to Files, then choose Save to Files in the iPhone menu and tap Save.

If sharing is unavailable, use the link below. Safari may show a download confirmation or open the file; use Share → Save to Files if it opens.

Download or open file

This backup contains your plan. Keep it in a private folder.

Sign in to your private account

Use the same email and password on every device.

Existing email-link accounts: use “set my first password” with your original email. Your saved plan stays in that account.

Create your account

Confirm your email before signing in. Two-factor authentication can be enabled in Account.

Save on this device

Your plan saves automatically in this browser. It is available to anyone using this browser profile.

Turning this off removes the stored copy and keeps your current plan only in this tab. Browser cleanup or private browsing can erase saved plans. Download a backup for safekeeping.

Sign in with the same email to recover your plan in another browser or on another device.

A brighter tomorrow

Debt eliminated!

Keep your monthly budget steady and roll this payment into your next debt.

Record payment

New balance = current balance + interest/fees − payment. Use the charges from your statement. Undo is available in history.

Cookies & browser storage

Sign-in and security

Browser storage keeps your account session active. Sign out to end access on this browser. Blocking essential storage may prevent sign-in from working.

Language and plan preferences

Your selected language is remembered in this browser. A signed-in plan and its settings save to your account.

Guest plan saving

Without signing in, your plan can save in this browser only. You can turn off device saving; keep a backup before removing a saved copy.

Advertising and analytics

The current app does not use advertising or analytics trackers. There are no optional tracking categories to accept.

These settings do not erase your cloud account or downloaded backups.

Privacy notice