Debt Tracker by UnDebt

Version 2.0 is a complete rebuild. New look, new tools, and a payoff engine that's far more accurate than before. REDESIGNED, TOP TO BOTTOM Every screen has been rebuilt around a single design system. A clear balance you can read at a glance, softer cards, proper spacing, and colour that means something — teal for money coming to you, coral for money going out. SEE YOUR BALANCE FALL New charts plot your balance month by month, all the way to zero. On any debt you can overlay "paying extra" against "minimum only" and watch the two curves separate. MINIMUM PAYMENTS, PROPERLY You can now enter each debt's real minimum payment. Payoff dates used to be based on an estimate, which could be out by years on a fixed instalment like car finance. Where you haven't entered one yet, the app tells you the date is an estimate rather than quietly presenting a guess as fact. MORE ACCURATE INTEREST Interest is now calculated one consistent way across the whole app, so the figure on a debt matches the figure in its projection. Interest also accrues on debts without a due date — previously those showed zero, which was simply wrong. Because of both fixes, some payoff dates and interest totals will look different from before. The new numbers are the correct ones. YOUR PLAN DRIVES YOUR OVERVIEW Pick a strategy and a monthly budget in Compare Scenarios, and the debt-free countdown on your Overview projects from that plan instead of assuming the bare minimum. LOAN TYPES Tag debts as a credit card, student loan, auto loan, mortgage, medical, tax, personal loan or other. A new breakdown shows what you owe by type. REMINDERS THAT ARRIVE IN TIME Choose how far ahead you're reminded — on the day, or up to a week before. Reminders used to fire on the due date itself, which was often too late to be useful. Debts that repeat monthly can now be marked as such. ICLOUD SYNC, IF YOU WANT IT Optional and off by default. Turn it on to keep your debts in your own private iCloud across iPhone and iPad. Turning it off again leaves this device's copy untouched. EXPORT YOUR DATA Export everything to CSV from Settings — balances, rates, minimums, payment history. A PROPER WELCOME A short tour on first launch explains what the app does and lets you turn on reminders and iCloud up front, rather than being interrupted later.