# Borçtan Çıkış: Debt Payoff — See the day your debt ends

> See the day your debt ends (iPhone/iPad app by Umit Caglayan Kirkoc.)

- Source: https://appshunter.io/ios/app/borctan-cks-debt-payoff/id6809230820 (this page in markdown: same URL + `.md`)
- Developer: [Umit Caglayan Kirkoc](https://appshunter.io/developer/1887703774)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 14 MB
- Languages: American English, Turkish
- Released: 2026-09-10
- Data updated: 2026-09-28

## What is Borçtan Çıkış?

Borçtan Çıkış answers one question: which day will you be debt-free?

You enter your debts, installments and monthly payments once. The app works out the date you become debt-free and counts down to it, day by day, in a widget on your Home Screen. Make a payment and the date moves closer; miss one and it moves back — so you see where your plan really stands.

WORK BACKWARDS
Most apps tell you "pay this much a month and you finish on that date". This one answers the question in reverse too: say "I want to be debt-free by June 1" and it works out what you need to pay each month, rounded to an amount you can actually use.

BUILT FOR REAL INSTALLMENTS
• Card installments are split to the cent: 1,000 / 3 = 333.33 + 333.33 + 333.34
• Weekly due dates are supported, not only monthly
• Minimum payment tracking and planning around your statement period
• CSV import and export that matches the format your bank gives you

SEE YOUR PLAN
• Compare two payoff methods side by side and see the finish date of each
• Make an extra payment and watch the date move, instantly
• Month close, missed payment tracking and a history of plan changes
• Milestones and badges

PLAN YOUR MONTH AND SUBSCRIPTIONS
• The month laid out day by day: income, fixed expenses and installments
• What your subscriptions really cost over a year, biggest first

WIDGETS AND SHORTCUTS
• Home Screen and Lock Screen widgets count down to your debt-free day
• Mark a payment as paid without leaving the widget
• Siri: "how many days until I'm debt-free", "when is my next payment", "add an expense"

YOUR DATA STAYS WITH YOU
The app works completely offline. No server, no account, no ads, no tracking — it never makes a single network request. iCloud sync is optional and uses your own private database. There is a Face ID app lock and a privacy cover in the app switcher.

FREE AND PREMIUM
The free version lets you add up to 3 debts and use the debt-free date, the countdown, Home Screen and Lock Screen widgets, payment recording, the month view and Siri shortcuts.

Premium unlocks four things: unlimited debts, working backwards from a target date, the method comparison and CSV import/export. It renews monthly and the first 3 days are free. The subscription is billed to your App Store account and renews unless cancelled at least 24 hours before the period ends. You can manage and cancel it in your App Store account settings.

Privacy Policy: https://borctancikis.kirkoc.com/gizlilik.html
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Borçtan Çıkış Premium | $0.99 | per month |



## Version history (last 4 releases)

### 1.0.3 — 2026-09-25

Improved purchase and subscription infrastructure. Minor bug fixes.

### 1.0.2 — 2026-09-20

• The app is now available in English. Settings → Language and currency
• Write amounts in ₺, $ or €. The choice only changes how amounts are written; the numbers you entered stay exactly as they are and are not converted at any exchange rate
• Existing installs stay in Turkish with ₺ — the update changes none of your settings
• The CSV template and export are produced in the language you pick, and files made in either language can be imported
• The widget and Siri answers follow your chosen language too

### 1.0.1 — 2026-09-18

• Geri sayım daha doğru: vadesinden önce ödenen taksit artık iki kez sayılmıyor
• Kredi kartı ve KMH ödemelerinde tutarı sen girersin; kalandan fazla ödeme artık sorulur
• CSV'den aktarılan üç haneli faiz oranları doğru okunuyor
• "Plan bitmiyor" uyarısı hangi borcun planı kilitlediğini ve en az ne kadar ödemen gerektiğini söylüyor
• Uygulamayı yeniden kurduysan kurulum ekranından yedeğini ya da iCloud verini geri getirebilirsin
• Yeni: Ayarlar → Geri bildirim ve destek. Bir sorun yaşarsan bize yaz, hızlıca dönüyoruz
• Veri güvenliği ve kararlılık iyileştirmeleri

### 1.0 — 2026-09-09

No release notes.

## Apps similar to Borçtan Çıkış

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Vadem: Ödeme ve Borç Takip](https://appshunter.io/ios/app/vadem-odeme-ve-borc-takip/id6812872889) | — | Free | Finance |
| [Borc Takip](https://appshunter.io/ios/app/borc-takip/id6755033975) | — | Free | Finance |
| [Atlas: Gider Takibi](https://appshunter.io/ios/app/atlas-gider-takibi/id6796228152) | — | Free | Finance |
| [Tüfekçi Bekir: Borç Takip](https://appshunter.io/ios/app/tufekci-bekir-borc-takip/id6792875238) | — | Free | Finance |
| [Nolyo: Gelir Gider Takip](https://appshunter.io/ios/app/nolyo-gelir-gider-takip/id6751444432) | — | Free | Finance |
| [Cebim Dengede: Borç Bütçe](https://appshunter.io/ios/app/cebim-dengede-borc-butce/id6795543512) | — | Free | Finance |

## More apps by Umit Caglayan Kirkoc

- [Monthly Wallet Watch: Budget](https://appshunter.io/ios/app/monthly-wallet-watch-budget/id6761114185)
- [Glow Takip: Bakım & Rutin](https://appshunter.io/ios/app/glow-takip-bakm-and-rutin/id6811003118)
- [Spor Günlüğü](https://appshunter.io/ios/app/spor-gunlugu/id6812912741)
- [Planbound: Daily Planner](https://appshunter.io/ios/app/planbound-daily-planner/id6814026931)
- [Kurtul: Quit Habits](https://appshunter.io/ios/app/kurtul-quit-habits/id6815194319)

All apps by Umit Caglayan Kirkoc: https://appshunter.io/developer/1887703774

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-28.*