# Triage: Debt Payoff & Budget — Pay off debt, stay private > Pay off debt, stay private (iPhone/iPad app by RoxyKovu LLC.) - Source: https://appshunter.io/ios/app/triage-debt-payoff-and-budget/id6772632973 (this page in markdown: same URL + `.md`) - Developer: [RoxyKovu LLC](https://appshunter.io/developer/1816071699) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 17 MB - Languages: American English - Released: 2026-06-17 - Data updated: 2026-08-29 - User reviews in markdown: https://appshunter.io/ios/app/triage-debt-payoff-and-budget/id6772632973/reviews.md ## What is Triage? Triage is first aid for your money. Import your real statements, see every account, debt, and deadline in one place, and follow a clear plan to get ahead. Your data stays on your device by default. No account to create, no tracking. IMPORT ANYTHING Drag in CSV, PDF, OFX, or QFX files from your bank, or scan a paper statement with the camera. Triage reads them, routes each transaction to the right account, cleans up messy payee names, and now sorts far more of your spending into the right category automatically. Anything unclear waits in a review queue, so nothing lands twice. SEE WHERE YOU STAND A dashboard built around the numbers that matter: net worth, cash versus debt, safe-to-spend for the rest of the month, and the one move to make today. Debt by APR shows exactly where interest hurts most. GET OUT OF DEBT, FASTER Track credit cards, loans, and promotional financing with APRs, due days, and deferred-interest deadlines. Compare avalanche versus snowball, set a target payoff date, and never miss a 0% promo expiration again. Triage watches the dates and warns you before interest hits. TEST ANY DECISION FIRST The What-If Simulator shows how a single move, a refund, a bonus, an extra payment, changes your debt-free date, total interest, and this month's safe-to-spend, all on one screen, before you commit a dollar. BUDGETS AND GOALS YOU CAN KEEP Monthly budgets by category, an auto-budget starting point, sinking funds for the big irregular costs, and scheduled transactions so upcoming bills and paychecks are already in the picture. STAY ON TOP OF SUBSCRIPTIONS Triage surfaces your recurring charges and flags price hikes, so a quiet increase never slips past you. AI ON YOUR TERMS On-device AI summarizes your month, flags unusual spending, answers questions about your money, and helps categorize transactions. Optional cloud mode is off by default, uses your own API key with a provider you choose, and strips account, card, routing, IBAN, and Social Security numbers, phone numbers, and transfer names before anything is sent. It also ignores instructions hidden inside your statements. AI output can be wrong and is not financial advice. YOUR DATA No sign-up, no ads, no analytics. Accounts, balances, and transactions stay on this device by default. Optional iCloud sync end-to-end encrypts configured fields (balances, payees, amounts, and other fields marked for encryption), not every synced field. If you send in-app feedback, Triage transmits your message plus app version, OS, locale, and a persistent per-install identifier used to correlate follow-ups; a diagnostic log is included only if you opt in and may include account names or transaction details. Lock the app with Face ID. Automatic local backups keep your data yours. SIMPLE PRICING Free 3-day trial, then a one-time $0.99 unlock. No subscription. Questions? support@roxykovu.com ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | 3-Day Free Trial | Free | one-time | | Unlock Triage AI | $0.99 | one-time | ## Version history (last 5 releases) ### 1.0.9 — 2026-08-27 Triage 1.0.9 makes larger text more reliable across budgets, transactions, the dashboard, and reports. Store screenshots now match the current app. AI output handling is stricter, and privacy wording now clearly separates on-device data from optional cloud AI and feedback. ### 1.0.8 — 2026-08-25 Bigger text, and one less thing shared between apps. LARGER TEXT NOW WORKS EVERYWHERE If you turn up text size in iOS Settings, Triage follows. It did not before: every label in the app was a fixed size, so the setting did almost nothing here no matter where you set it. All of it scales now, from the dashboard to the transaction list to the import review, and it stays readable rather than stretching until things collide. If you have never touched that setting, nothing looks different. TIGHTER SEPARATION BETWEEN CONNECTIONS The remaining places the app talks to a server now use their own isolated connection that keeps no cookies and shares nothing with the rest of the app, matching what the optional cloud AI already did. As always, your accounts and transactions stay on your device by default. The only ways they leave are ones you turn on: optional cloud AI using your own provider key, optional iCloud sync, which is end-to-end encrypted, and a diagnostic log if you choose to attach one to feedback. ### 1.0.6 — 2026-08-10 Cleaner categories and tighter privacy. MERCHANTS THAT WERE LANDING IN THE WRONG PLACE Nineteen of them now sort correctly. A pet supply run no longer counts as general shopping, a travel booking no longer counts as a warehouse club, and dozens of sites whose names contain a dot or a symbol are recognized for the first time instead of being guessed at. All of it happens on your device. STRONGER PRIVACY ON THE PARTS THAT LEAVE If you choose to attach a diagnostic log to feedback, account and card numbers are now stripped out before it is sent. And if you connect your own cloud AI key, those requests run on an isolated connection that keeps no cookies and shares nothing with the rest of the app. As always, your accounts and transactions stay on your device by default. The only ways they leave are ones you turn on: optional cloud AI using your own provider key, optional iCloud sync, which is end-to-end encrypted, and a diagnostic log if you choose to attach one to feedback. ### 1.0.5 — 2026-07-14 Triage just got sharper. CATEGORIZATION THAT NAILS IT A big expansion of built-in merchant knowledge, plus a batch of precision fixes, means far more of your spending sorts itself into the right category, automatically and on your device. TEST ANY MONEY MOVE FIRST The new What-If Simulator shows how a refund, a bonus, or an extra payment changes your debt-free date, total interest, and this month's safe-to-spend, all on one screen, before you commit a dollar. MORE POLISH Clear scroll cues now show when there is more to see, in every direction. As always, everything runs on your device, with optional end-to-end encrypted iCloud sync. ### 1.0.4 — 2026-06-25 This release is about trust: protecting your data and getting your numbers right. Stronger privacy - The redaction that runs before any optional cloud AI now also removes IBANs, international phone numbers, and transfer counterparty names, and it sees through hidden characters used to disguise them. More reliable imports - Better handling of unusual statement formats (CR and DR markers, trailing-minus amounts, thousands separators) so fewer transactions are missed or misread. - A malformed or oversized statement can no longer crash an import. Safer AI - Triage now ignores instructions hidden inside an imported statement, and never turns AI output into a tappable link. Everything still runs on your device, with optional end-to-end encrypted iCloud sync. ## More apps by RoxyKovu LLC - [20 Questions: Word Trivia Game](https://appshunter.io/ios/app/20-questions-word-trivia-game/id6746292005) - [Fitness for the Fighting Man](https://appshunter.io/ios/app/fitness-for-the-fighting-man/id6746684351) - [SumSquare: Math Grid Game](https://appshunter.io/ios/app/sumsquare-math-grid-game/id6756501108) - [Naval Letter Builder](https://appshunter.io/ios/app/naval-letter-builder/id6768153774) - [Vianta: Smart Home Map & AI](https://appshunter.io/ios/app/vianta-smart-home-map-and-ai/id6782743705) All apps by RoxyKovu LLC: https://appshunter.io/developer/1816071699 --- *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 2026-08-29.*