# Divvy - Pay It Down — Crush Debt, Stay Sane > Crush Debt, Stay Sane (iPhone/iPad app by BRETT SHERWYN WATERSON.) - Source: https://appshunter.io/ios/app/divvy/id6759308184 (this page in markdown: same URL + `.md`) - Developer: [BRETT SHERWYN WATERSON](https://appshunter.io/developer/1857867894) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 2 MB - Languages: English - Released: 2026-02-23 - Data updated: 2026-05-17 - User reviews in markdown: https://appshunter.io/ios/app/divvy/id6759308184/reviews.md ## What is Divvy? Feeling overwhelmed by multiple bills and creditors? Divvy helps you take control. When you owe money to several creditors, deciding who to pay and how much can be stressful. Divvy simplifies this by helping you organize your creditors, prioritize your payments, and allocate your available funds smartly — so you can pay down debt one step at a time. HOW IT WORKS 1. Add your creditors and their outstanding bills 2. Organize creditors into priority bands (e.g., "Critical", "Important", "When I Can") 3. Enter how much you have available to pay 4. Divvy calculates how to split it based on your priorities 5. Adjust if needed, confirm payments, and optionally notify your creditors It's that simple. KEY FEATURES • Smart Allocation Enter your available funds and Divvy automatically divides them between creditors based on your priority bands. Higher priority bands get paid first. • Priority Bands Create custom bands to organize creditors by importance. Set percentage allocations for each band to control how your money is distributed. • Payment Tracking Track every payment you make. See your progress with visual indicators showing how much you've paid off for each creditor. • Email Notifications Send professional payment notification emails to your creditors with one tap. Emails include a summary of your account, payment amount, and remaining balance. • Customizable Email Templates Personalize the emails sent to each creditor. Use templates with placeholders that automatically fill in payment details. • Bill Management Add and track individual bills for each creditor. Set due dates and watch as payments are automatically applied to outstanding bills. • iCloud Sync Your data syncs seamlessly across all your devices via iCloud. Start on your iPhone, continue on your iPad. DIVVY PRO The free version includes up to 3 creditors and 2 priority bands — perfect for getting started. Upgrade to Divvy Pro for: • Unlimited creditors • Unlimited priority bands • Support ongoing development Pro is a one-time purchase. No subscriptions, no recurring fees. PRIVACY FIRST Your financial data stays yours. All information is stored locally on your device and in your personal iCloud account. We never see your creditor details, payment amounts, or personal information. PERFECT FOR • Anyone paying off multiple debts • People on payment plans with creditors • Those who want to organize and prioritize bills • Anyone who needs help deciding where their money should go GET STARTED Download Divvy today and start taking control of your debt. Add your creditors, set your priorities, and let Divvy guide you through paying it down — one step at a time. Questions or feedback? Contact us at divvy@oneway.co.nz ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Divvy Pro | $9.99 | one-time | ## Version history (last 4 releases) ### 1.4 — 2026-04-21 - Multi-currency support - Improved Allocate Funds User Experience ### 1.2 — 2026-03-21 What's New: • Refreshed UI — More vibrant colors throughout the app, replacing the washed-out look with bolder, more readable visuals • Pay All button — Quickly fill the payment amount with your total outstanding balance • Smarter Allocate Funds screen — Amount now shown in the title bar, with more room for your creditors list • Improved payment emails — Fixed "Paid to date" calculation, email preview now matches actual sent email, and the "outstanding balance" message is hidden when you've paid in full • Custom email templates — New {{outstanding_message}} placeholder for conditional text • Bug fixes — Creditors screen now updates immediately after recording payments, and amounts display correctly with 2 decimal places ### 1.1 — 2026-02-26 Minor bug fix to email notifications ### 1.0 — 2026-02-23 No release notes. ## More apps by BRETT SHERWYN WATERSON - [Ad‑Free Countdowns](https://appshunter.io/ios/app/adfree-countdowns/id6755987052) - [Furbabies - Pet Age Calculator](https://appshunter.io/ios/app/furbabies/id6756034809) - [Timb3r](https://appshunter.io/ios/app/timb3r/id6756227490) - [Teth3r](https://appshunter.io/ios/app/teth3r/id6756306528) - [Tapetchi](https://appshunter.io/ios/app/tapetchi/id6757373321) - [Unhinged - Stickman Animator](https://appshunter.io/ios/app/unhinged/id6757636060) All apps by BRETT SHERWYN WATERSON: https://appshunter.io/developer/1857867894 --- *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 2026-05-17.*