Debt Payoff Planner & Tracker vs Spondoolies

The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans. Today is the day to make a plan with a loan calculator and beginning paying down debt. Required inputs for calculating your debt free date are the current balance of the loan, the annual percentage rate (APR), and the minimum payment amount. That's the only requirement to getting a customized debt repayment schedule. Easy steps to becoming debt free: - Enter your loans and debts - Enter your additional monthly payment budget to pay down faster - Choose a debt payoff strategy * Dave Ramsey's Debt Snowball (lowest balance first) * Debt Avalanche (highest rate first) * Debt Snowflake (one-time extra payment toward loans) * Custom debt free payoff plan Debt Payoff Planner and Loan Calculator determines the optimum payment plan and how long it will take until you will be debt free. You tell the app how much you want to budget toward paying off your debt and we'll tell you how. We recommend the Debt Snowball strategy because we believe that paying off individual accounts faster will help you stay focused on your financial goal of debt elimination. A payoff plan is only useful if you stick with it! Your ability and willingness to pay more than the minimum payments is how you will become debt free in less time than you imagined. Budgeting your income will help you to get a regular monthly amount to pay down the debt faster. The payoff chart will show two payoff scenarios: only paying the minimum amounts, and the repayment schedule when you pay more the the minimum ever month. Creating an account enables you to have a secure backup and your information is immediately available if you start using a new device. Getting out of debt is hard, so we try to allow you to take baby steps toward this goal. We believe that becoming debt free requires an easy starting point and making sure every dollar is leveraged perfectly. The loan calculator has minimal inputs in order to make your money management easy to follow. The Debt Payoff Planner and Calculator is also used for tracking payments and updating the time-frame for becoming debt-free. Inputting payment information is as simple as typing in the amount and the date the payment was made. The goal of payment tracking is to see your progress over time and affirm that you are staying focused on your financial goals. In addition to being a debt tracker and loan calculator, we are also trying to help point out some possible next steps with articles focused on how to pay off student loans, auto loans, and credit cards faster. Also, there is some tips on credit card balance transfers as well as strategies for debt consolidation. We support eight loan categories: * Credit Cards like Capital One, Citicard, Chase, etc. * Student Loans like Navient, Sallie Mae, Great Lakes, etc. * Auto/Car Loans * Medical Loans * Mortgages like Rocket Mortgage, SoFi, etc. * Personal Loans to friends and family or other individuals * Taxes like IRS or local municipalities * Other category could be anything from a paycheck loan to a hard money loan In addition to the Debt Snowball calculator and the Debt Avalanche method, many users like to do a custom sorting of their debts. This customization is available for users that want to be their own debt manager. We allow the ability to provide a Debt Snowflake payoff as well. A Debt Snowflake is a one-time payment from things like a bonus at work, a tax refund, an extra payday, etc. This additional capability allows you to have tighter control over every dollar you are budgeting. Terms of Service: https://www.debtpayoffplanner.com/terms-of-service/ Privacy Policy: https://www.debtpayoffplanner.com/privacy-policy/ End-User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Spondoolies is a simple budgeting and cash flow tracker designed to give you a clear, month-by-month picture of your finances. No bank connections, no complicated setup. You set an opening bank balance, add your expected income and outgoings across the months ahead, and the app builds a running balance that shows you exactly what your bank account should look like at any point in the year. Add regular commitments like rent, salary, subscriptions and bills, and you’ll quickly see at a glance whether you’re on track — or where you might need to make changes. The Tracker page is the heart of the app. It displays a scrollable set of month cards — one for each month of your year — each showing every transaction you’ve added alongside a running balance column that updates with every entry. Start by setting your opening bank balance. Everything else flows from this number. Adding Transactions; use the Add Transaction form at the top of the page. Each transaction has four fields — Category, Month, Date and Amount. Choose from: Funds In — money coming in, such as salary or transfers Funds Out — money going out, such as rent or subscriptions Balance Update — corrects the running balance to match your actual bank balance at a point in time Select All Months to add a recurring transaction to every future month from today — ideal for regular salary or rent entries. For Funds Out transactions, tag the type as Essential (bills, groceries) or Fun (eating out, entertainment). These tags feed directly into the Essential vs Fun charts in Insights. After adding a transaction, an undo button appears so you can immediately remove it if you made a mistake. Balance Update; rather than entering every small unplanned purchase, periodically add a Balance Update set to your actual bank balance. The running balance adjusts from that point forward. Every transaction updates the running balance column in real time. The balance carries forward from month to month, so you can see exactly what your balance should be on any date across the whole year. This makes it easy to spot months where money gets tight, and to plan ahead by adjusting spending or income accordingly. Swipe left from the Tracker page or tap Insights to access a suite of charts and summaries built from your transaction data: Annual Summary: Total Funds In and Funds Out for the year at a glance. Income vs Spending:A line chart plotting monthly income (green) and spending (orange) side by side. Easily see which months you’re spending more than you’re earning, and where there’s healthy headroom. Running Balance A two-line chart showing the highest (blue) and lowest (pink) balance within each month, so you can see mid-month dips even if you end the month in credit. On months with a single transaction, the two lines sit exactly on top of each other. All Spending Breakdown Two donut charts breaking down your Funds Out by description — one for the full year, one for spending to date. Tap any slice for the exact amount. Items beyond the top five are grouped into ‘The Rest’ — tap to see the full breakdown. Essential vs Fun Two donut charts showing the split between your Essential and Fun tagged spending, with a breakdown by description inside each category. Colour Schemes; personalise the look of the app with six built-in colour schemes. Tap the Color scheme button at the bottom of the Tracker page to choose Free Version and Unlock; the free version shows your current and next month. Unlock the full 12-month view for a nominal amount per year. After subscribing, choose which month your financial year starts from. Your subscription status is preserved if you reset your data. Resetting Data; tap the Reset all data button at the bottom of the Tracker page to start fresh. You’ll be asked to confirm before anything is deleted. Subscribers are given the choice of which month to start the new year from. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/