# DebtScope — Plan debt payoff, build wealth

> Plan debt payoff, build wealth (iPhone/iPad app by Karl Keller.)

- Source: https://appshunter.io/ios/app/debtscope/id6758213398 (this page in markdown: same URL + `.md`)
- Developer: [Karl Keller](https://appshunter.io/developer/306925238)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.6 · 14 MB
- Languages: English
- Released: 2026-03-23
- Data updated: 2026-07-02
- User reviews in markdown: https://appshunter.io/ios/app/debtscope/id6758213398/reviews.md

## What is 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.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Premium Access | $5.99 | one-time |



## Version history (last 5 releases)

### 1.13 — 2026-06-27

Minor bug fixes and enhancements.

### 1.11 — 2026-06-16

LOCAL AI ASSISTANT
• Meet your new read-only financial copilot! Simulate payoff strategies, compare acceleration plans, and review statement imports.
• 100% Secure & Private: All AI processing happens completely on-device. Your transaction data never leaves your iPhone.

 ALL-NEW IN-APP SEARCH
• Easily search across your transactions, payees, amounts, and accounts from one central view.
• Smart filters match APRs, dates, and memos in real time.

 SPOTLIGHT & DATA PRIVACY
• Find accounts, bills, payees, and payoffs directly from your iPhone Home Screen search.
• Control your privacy under Settings > Data & Privacy. Choose exactly which categories (accounts, bills, payees, or debt names) are indexed, or disable them entirely.

 PERFORMANCE & STABILITY
• Fixed iPad Quick Start asset formatting.
• Under-the-hood optimization for statement imports and assistant response speed.

### 1.09 — 2026-05-18

Minor bug fixes and enhancements 
Added transactions to monthly statement import
Added obvious monthly statement date to account list

### 1.08 — 2026-05-15

Incorporated strategy comparisons and payment change payoff impact.
Now when a PDF statement is shared or imported, Institution name and account type are identified.
Minor bug fixes and enhancements

### 1.07 — 2026-04-28

Small enhancements and bug fixes.

## More apps by Karl Keller

- [Vegan Spin](https://appshunter.io/ios/app/vegan-spin/id1276026769)
- [ScoreKeep - Baseball Scoring](https://appshunter.io/ios/app/scorekeep-baseball-scoring/id6748364014)
- [Plate Wise meal planning](https://appshunter.io/ios/app/plate-wise-meal-planning/id6754467692)

All apps by Karl Keller: https://appshunter.io/developer/306925238

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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 2026-07-02.*