# SteadyStep: Debt Planner — Debt Plans & Repayment Tracker

> Private debt organization, repayment tracking, and financial planning tool. (iPhone/iPad app by 航杭 虞.)

- Source: https://appshunter.io/ios/app/steadystep-debt-planner/id6791084400 (this page in markdown: same URL + `.md`)
- Developer: [航杭 虞](https://appshunter.io/developer/6790236142)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 17.0 · 6 MB
- Languages: American English, Chinese (Traditional, Taiwan)
- Released: 2026-07-28
- Data updated: 2026-08-21
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/steadystep-debt-planner/id6791084400/reviews.md

## What is SteadyStep?

SteadyStep helps you organize debts, expenses and repayments in one calm, private workspace. Enter your own information, understand your monthly cash flow and follow a clear repayment plan without judgment or pressure.

PLAN WITH DETERMINISTIC CALCULATIONS

- Record debts, required payments, interest rates and expenses.
- Choose whether essential expenses come from a monthly estimate or your itemized records.
- Compare interest-first and small-balance-first repayment strategies.
- Review estimated payoff timing, interest and monthly milestones.
- See a twelve-month repayment schedule based on the information you entered.

TRACK WHAT ACTUALLY HAPPENED

- Record real repayments by date and debt.
- Keep payment history separate from projected payments.
- Update a balance only when you provide a statement balance.
- Follow monthly progress using recorded payments rather than a simple completion switch.

OPTIONAL COMPLETE REPORTS

Preview personalized takeaways for free, then unlock a complete educational report when you want a deeper explanation of your current plan. Reports combine SteadyStep's deterministic calculations with calm explanatory text, practical actions, risk reminders and assumptions. Complete reports are generated on your device, remain available in your private report history and can be exported as a PDF.

A single-report purchase unlocks one complete report. An active monthly or annual subscription provides unlimited on-device report refreshes plus report comparison, scenario adjustments and ongoing progress summaries. Prices shown in the app come directly from the App Store for your storefront.

PRIVACY BY DESIGN

Free planning does not require a SteadyStep account. Sign in with Apple is used only for purchases, restoring paid access and unlocking complete reports. Your debt names, balances, rates, income, plan and completed reports remain in the app's private device and iCloud storage. Report entitlement confirmation never includes financial values or your financial snapshot.

SteadyStep provides planning and educational information only. It is not a lender, debt-relief service, credit-repair service, financial adviser or legal adviser. Estimates depend on the information you enter and may differ from lender statements or actual results.

## Key features

- Organize debts and expenses
- Track repayments and cash flow
- Compare repayment strategies
- View repayment schedules
- Generate educational reports
- Private and secure workspace

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| SteadyStep Plus Monthly | $2.99 | per month |
| SteadyStep Plus Annual | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Single Debt Planning Report | $1.99 | one-time |



## Frequently asked questions about SteadyStep

### How does SteadyStep help with debt repayment?

SteadyStep allows you to record all your debts, required payments, interest rates, and expenses. It then helps you compare different repayment strategies like interest-first or small-balance-first to find the best approach for your situation.

### Is SteadyStep secure for my financial information?

Yes, SteadyStep is designed with privacy in mind. Your financial records and reports are stored privately on your device and in iCloud. Report processing uses minimized information with your clear consent.

### What kind of reports can I get from SteadyStep?

You can request optional complete educational reports that provide deeper explanations of your current plan, practical actions, and risk reminders. These reports can be exported as a PDF.

### What are the subscription options for SteadyStep reports?

A single-report purchase is available. Monthly subscribers can generate up to two reports per month, and annual subscribers can generate up to 24 reports per year, with a limit of two in any 30-day window.

### Does SteadyStep have ads?

No, SteadyStep does not have advertisements. The app is free to use for planning, with optional in-app purchases for reports and subscription plans.

### What devices does SteadyStep support?

SteadyStep is available on iPhone and iPad devices, making it accessible for users on the Apple ecosystem.

### How often is SteadyStep updated?

The app was last updated on July 28, 2026, with version 1.0.1. This indicates recent development and ongoing support for the application.

### What is the age rating for SteadyStep?

SteadyStep has an age rating of 4+, making it suitable for a wide range of users looking to manage their finances.

## Version history (last 4 releases)

### 1.2 — 2026-08-12

SteadyStep 1.2 makes debt planning faster and keeps complete reports on your device.

- Add a debt with only its name, balance, annual rate and minimum payment.
- See your projected debt-free date earlier, then complete your plan step by step.
- Preview personalized report takeaways before unlocking the full report.
- Generate complete reports on your device and refresh them with an active subscription.
- Add a missing annual rate directly when preparing a report.
- Improved payment tracking, reminders, accessibility, dark mode and Traditional Chinese consistency.
- Bug fixes and reliability improvements.

### 1.1 — 2026-08-04

SteadyStep 1.1 introduces a calmer, clearer repayment journey.

• A redesigned Home screen highlights overall progress, projected payoff timing, the next milestone and your primary action.
• A new Repayment Journey view connects deterministic plans with the payments and balances you confirm.
• Bills, Plan, Reports and Profile now use a cleaner, more readable layout on iPhone and iPad.
• Added light and dark appearance support, improved accessibility and clearer status messages.
• Improved English and Traditional Chinese report consistency.
• Repayment day can now be entered directly.
• Added a searchable currency catalog for future markets while keeping amounts localized.
• Replaced the payoff marker with a clearer milestone badge.

### 1.0.1 — 2026-07-28

Improves the reliability of loading in-app purchase options and localized App Store prices. Adds a retry option when pricing is temporarily unavailable.

### 1.0 — 2026-07-28

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 2026-08-21.*