# Onus: True Cost — See the real cost of debt

> See the real cost of debt (iPhone/iPad app by Anson Biggs.)

- Source: https://appshunter.io/ios/app/onus-true-cost/id6757114154 (this page in markdown: same URL + `.md`)
- Developer: [Anson Biggs](https://appshunter.io/developer/1864574543)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 3 MB
- Languages: American English
- Released: 2026-01-01
- Data updated: 2026-05-19
- User reviews in markdown: https://appshunter.io/ios/app/onus-true-cost/id6757114154/reviews.md

## What is Onus?

Every dollar you spend while in debt costs more than a dollar. Onus shows you exactly how much.

BEFORE YOU BUY
Enter a purchase amount and instantly see its true cost. That $200 impulse buy? It might really cost you $300+ when you factor in the interest you'd save by putting that money toward your debt instead.

HONEST MATH
Onus runs a real month-by-month simulation of your debts. It calculates minimum payments, tracks interest accrual, and shows exactly how much each purchase delays your debt-free date.

MULTIPLE DEBTS, ONE VIEW
Add all your debts - credit cards, car loans, student loans. Onus considers them all when calculating the true cost of your purchases.

THREE PAYOFF STRATEGIES
• Avalanche: Target highest interest first (saves the most money)
• Snowball: Target smallest balance first (quick wins)
• Manual: Set your own priority order

PRIVACY FIRST
All your data stays on your device. No accounts, no cloud sync, no data collection. Just you and your debt reality check.

Onus (Latin for "burden") - because debt is a weight that grows with every purchase.


## Version history (last 1 release)

### 1.0 — 2026-01-02

No release notes.

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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 2026-05-19.*