Snowball
Smallest balance first. Quick wins.
Coming Soon
Your path to debt freedom.
Track debts, record payments, and see when you could be free. A clearer journey — without a cloud account.
How the path works
Four stops from what you owe to when you could be free.
01
Add what you owe
Credit cards, car loans, mortgages and the rest — with remaining balances and what you pay each month.
02
Record payments
Log principal and interest as you go. Remaining balances and journey progress update on the device.
03
Pick a payoff path
Snowball for quick wins, Avalanche to save more interest. See which debt to attack next.
04
Watch remaining go down
Milestones, a freedom date and a simple view of progress — so the path stays visible.
Debts
See every balance in one place.
Credit cards, car loans, mortgages and more — with what is left, what you pay each month, and a simple way to record a payment.
Payoff
Snowball or Avalanche — see both, then choose.
Pay minimums on every debt, then put extra towards one target at a time. Owevia shows an attack order and a freedom date so you can pick the path that fits.
Avalanche
Highest interest first. Usually saves more.
Progress
Watch remaining go down.
See how much you have cleared, what you paid this month, and a simple view of remaining debt over time. Freedom date is a forecast — not a guarantee, and not financial advice.
Plans
Start on the path. Upgrade when you need more of it.
Prices and offers will be shown in the app and billed through Apple or Google when Owevia is released.
Free
Enough to start tracking what you owe.
- — Up to 3 debts
- — Journey dashboard
- — Basic tracking and payments
- — Snowball payoff plan
- — On-device storage
Owevia Pro
Monthly or yearly, managed in the store.
- — Unlimited debts
- — Avalanche comparison
- — Extra-payment simulator
- — Progress charts
- — PDF reports
- — Local JSON backup
Privacy
Your debts stay on your device.
There is no Owevia cloud account. Debts and payments live in local storage unless you export a backup yourself.
- On-device SQLite by default
- Optional local JSON backup on Pro
- No advertising SDK in the current app
FAQ
A few clear answers.
What is Owevia?
Owevia is a local-first debt payoff app. You record debts and payments, track progress towards debt-free, compare Snowball and Avalanche, and see estimated freedom dates based on the data you enter.
Where is my data stored?
On your device only. Owevia does not sync debts or payments to a cloud server. Your SQLite database stays in the app on that phone or tablet.
What is the difference between Snowball and Avalanche?
Both pay minimums on every debt, then put extra towards one target at a time. Snowball clears the smallest balance first. Avalanche clears the highest interest first — usually saving more over time. Avalanche comparison is a Pro feature.
What is included in Free vs Pro?
Free covers up to 3 debts, basic tracking, the Journey and Snowball. Pro adds unlimited debts, Avalanche, extra-payment simulation, charts, PDF reports and local JSON backup.
Is this financial advice?
No. Payoff dates, interest savings and strategy comparisons are planning estimates to help you stay motivated. They are not personal financial, tax or legal advice.
Coming Soon
A clearer path is on the way.
We’ll share more when Owevia is closer to release. If you want to talk before then, write to us.
Contact usA product from S Factor Technologies.