Fade: Pay Down Debt

Track what you owe. Watch it disappear. Fade is a calm, private debt tracker that helps you see what remains and how far you have come. Add your debts manually, record payments, and watch your progress toward zero. A CLEAR VIEW OF YOUR DEBT Track mortgages, loans, credit cards, and other debts. Keep remaining balances, original amounts, payment history, and notes together. View totals and progress separately for each currency. EVERY PAYMENT COUNTS Record a payment and see your remaining balance decrease. Follow your progress with charts and milestones. Your monthly recap shows recorded balance reductions, payment and debt counts, and debts recorded as cleared. Turn on an optional monthly reminder to record a payment you have already made. YOUR YEAR IN FADE Revisit your recorded progress with Year in Review. Explore balance reductions, active months, your strongest month, and recorded debt completions separately for each currency. Share an image recap, with amounts omitted by default. Reviews reflect the records retained in Fade. PLAN YOUR WAY TO ZERO Add an interest rate and monthly payment to see an estimated payoff date and repayment details. Add a promotional rate and end date to account for an introductory offer. Estimates use the rates and payment you enter; actual lender balances, fees, and schedules may differ. PLAN AND WATCH Explore the new Plan tab for a payoff summary, individual timelines and explanations when estimates change. With Fade Lifetime, compare repayment strategies and schedule future budget changes. APPLE WATCH With Fade Lifetime, see progress, use complications and record payments from your Apple Watch with your iPhone. Amounts are hidden by default. SIRI AND SHORTCUTS Open a debt, start recording a payment, or check what is left to clear using Siri and Shortcuts. Payments are entered and confirmed in Fade. KEEP THE MOMENT When a debt is paid off, create a payoff receipt. Keep it in your archive, export a PDF, or share an image. Shared receipts keep financial details private by default; you choose which details to reveal. PRIVATE BY DESIGN No account, bank connection, advertising, or analytics. Debt tracking works offline, and records are stored on your device. Turn on optional app lock with Face ID, Touch ID, or your device passcode. Hide amounts, debt names, and notes when you need discretion. Recording reminders contain no financial details. BACKUPS YOU CONTROL Save debts, payments, payoff receipts, and saved What If options to a file through Files. Restore shows a summary and asks you to confirm replacing your current records. Exported files contain readable financial data; you choose where to store them. Fade Lifetime also offers optional iCloud sync across your devices. START FREE. UNLOCK MORE ONCE. Track one stored debt for free, including payments, editing, history, progress, and basic payoff estimates. Backups, reminders, privacy controls, and Shortcuts are also free. Paid-off debts count toward the free limit. An optional, one-time Fade Lifetime purchase unlocks: • Unlimited debts • What If simulations for extra monthly or one-time payments • Up to three saved repayment options per debt • Home Screen widgets for remaining debt, your next milestone, and estimated debt-free date • Optional iCloud sync across your devices No subscription. Simulations do not change your actual balances or recorded payments. Purchases and purchase restoration are handled by Apple and require an App Store connection. Made for iPhone, iPad, and Apple Watch, with English, Polish, German, Spanish, French, Italian, and Portuguese (Brazil), light and dark appearance, and localized currency and date formatting. Fade is a personal tracking tool. It does not make payments, connect to lenders, or provide financial advice.