# Guaca: Debt & Retirement — Snowball, net worth calculator

> Snowball, net worth calculator (iPhone/iPad app by Nicolas Bonet Gonzalez.)

- Source: https://appshunter.io/ios/app/guaca-debt-and-retirement/id6801703149 (this page in markdown: same URL + `.md`)
- Developer: [Nicolas Bonet Gonzalez](https://appshunter.io/developer/1351379031)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 79 MB
- Languages: American English, French (France), German (Germany), European Spanish
- Released: 2026-09-03
- Data updated: 2026-09-29

## What is Guaca?

Your money, with a clearer next step.

Guaca brings your accounts, investments, spending and debts into one financial dashboard. Understand where you are today, then explore a plan for what comes next.

SEE YOUR WHOLE PICTURE
Track net worth across cash, investments, property and liabilities. Organize accounts in different currencies and explore how your finances change over time.

GIVE EVERYDAY MONEY A HOME
Record income and expenses, organize transactions by category, set category budgets and review spending reports. Keep recurring payments in view and import supported bank statements or transaction files.

MAKE ROOM FOR YOUR GOALS
Create savings goals, assign money from your accounts and compare your progress with your plan. Allocations reserve existing balances virtually; they do not move money.

FIND YOUR PATH OUT OF DEBT
Use the debt snowball calculator to prioritize smaller balances, or compare the avalanche strategy that prioritizes higher interest rates. Adjust extra payments and compare estimated payoff dates, total interest and payment order across your debts.

PLAN FOR FINANCIAL INDEPENDENCE
Explore retirement scenarios with adjustable contributions, spending, inflation and returns. Compare projections and Monte Carlo simulations to understand how different assumptions affect your plan.

ASK YOUR MONEY BETTER QUESTIONS
Use Guaca’s AI assistant to explore your finances. Connect compatible assistants such as Claude or ChatGPT through Connected apps, review their permissions and revoke access when you choose. Availability depends on your Guaca plan and the external assistant’s requirements.

START LOCAL. CONNECT WHEN YOU CHOOSE.
Manage your finances locally, including offline. Guaca Pro adds features such as cloud sync across your devices, AI chat and supported account integrations. Connected and AI features use online services.

Payoff and retirement results are estimates based on your inputs and assumptions, not guaranteed outcomes.

Privacy: https://useguaca.com/privacy
Terms: https://useguaca.com/terms

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Guaca Pro Monthly | $4.99 | per month |
| Guaca Pro Annual | $39.99 | per year |
| Guaca Pro Monthly Trial | $4.99 | per month |
| Guaca Pro Annual Trial | $39.99 | per year |


## Is Guaca safe?

Not enough ratings yet to assess Guaca.

## Is Guaca legit?

Guaca: Debt & Retirement appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Guaca is 63 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 1.0.2 — 2026-09-17

Under-the-hood improvements and minor fixes.

### 1.0.1 — 2026-09-11

Compare debt snowball and avalanche payoff plans, organize savings goals and explore retirement projections. This update also improves connected-assistant setup guides.

### 1.0.0 — 2026-09-10

No release notes.

## Apps similar to Guaca

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Migo Labs](https://appshunter.io/ios/app/migo-labs/id6768134090) | — | Free | Finance |
| [GoalJar: Save Money & Budget](https://appshunter.io/ios/app/goaljar-save-money-and-budget/id6785904441) | — | Free | Finance |
| [Compound Savings Calculator](https://appshunter.io/ios/app/compound-savings-calculator/id6772265646) | — | Free | Finance |
| [Debt Payoff: Snowball Plan](https://appshunter.io/ios/app/debt-payoff-snowball-plan/id6770477558) | — | Free | Finance |
| [Debt Snowball Payoff Tracker](https://appshunter.io/ios/app/debt-snowball-payoff-tracker/id6772266468) | — | Free | Finance |
| [Fynna: Budget & Money Manager](https://appshunter.io/ios/app/fynna-budget-and-money-manager/id6761362518) | 5.0 (1) | Free | Finance |

## More apps by Nicolas Bonet Gonzalez

- [PhotoStudio AI](https://appshunter.io/ios/app/photostudio-ai/id6444591080)

All apps by Nicolas Bonet Gonzalez: https://appshunter.io/developer/1351379031

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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 2026-09-29.*