DebtScope

DebtScope is a private, on-device finance planner for understanding debt, cash flow, and net worth all in one place. Rather than having the app login into your bank, easily Import statements from PDF, CSV, Excel, OFX/QFX/QBO, QIF, or ZIP files, then review transactions, balances, and accounts before saving. Build payoff plans with snowball, avalanche, and minimum-payment strategies, compare timelines, test extra-payment scenarios, and see how bills, income, reserves, and recurring cash flow affect your plan. DebtScope also includes local search, Spotlight support, backup and restore, net worth tracking, and an optional on-device AI assistant that can answer questions about your financial picture without sending your database to a server. Your data stays on your device. No ads. No bank login required.