NxtBread

NxtBread is your personal debt-payoff and credit-building coach. Enter your balances, set your goals, and get a clear, motivating plan to become debt-free faster — no bank linking, no account required, completely private. WHAT YOU CAN DO • Build a payoff plan using proven snowball and avalanche strategies • Simulate "what-if" scenarios to see how extra payments speed things up • Track your progress and stay motivated with clear milestones • Get practical, easy-to-understand tips to help grow your credit • Visualize your journey from today to debt-free PRIVATE BY DESIGN All data is entered manually and stays on your device. NxtBread does not connect to your bank, credit bureau, or any external financial accounts. NXTBREAD PREMIUM Unlock advanced simulations, deeper insights, and the full coaching experience with an auto-renewable subscription. IMPORTANT NxtBread provides general educational and informational content only. It does not provide financial, investment, legal, or tax advice. TERMS OF USE Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ - - - - - Founded by Luke Campbell