7th Tradition vs Debtless

This application will greatly simplify your treasury service. 7th Tradition has a simple, intuitive interface. It is designed to be used in your meeting as easily as a timer! Setup is quick and simple. Collections are a snap to record. Easily enter rent payments, with room to note who made the payment, and how it was made. Your single-screen Treasurer’s Report, with all needed balances, is one click away. You can share everything that your fellows need to know about the group’s financial status in seconds. Beginning Balance and Prudent Reserve are taken into account for the calculations. The report can show all data, or be filtered by a date range. When your meeting decides on a Group Conscience, enter it into 7th Tradition, and then optionally track its payments. 7th Tradition facilitates contributions to service bodies. You can customize Metro, Regional and World percentages; mix and match; or create your own. Payment records can be auto-generated, with amounts calculated on-the-fly based on the support percentage and the current treasury balance. You can export your data in JSON format for transfer to a different device, or to be imported into the data analysis tool of your choice. While specifically designed to support the Seventh Tradition, this program is not officially endorsed by any 12-step group. Features: - Keep records for just one or multiple meetings - Set Beginning Balance and Prudent Reserve - Track collections and rent payments - Record Group Conscience and associated payments - Fully configurable Service Body Support percentages, with auto-generated payment amounts - At-a-glance treasurer’s report with all relevant totals, filterable by start/end date - Date-filtered export for use in other software

100% free. No ads. No subscriptions. Debtless keeps the number that matters most—the date you are projected to be debt-free—at the top of your plan. Add debts manually or scan a statement, log payments, and see the projection move as your balances change. EVERY FEATURE IS FREE • Track unlimited debts, payments, due dates, and savings goals • See total debt, minimum payments, payoff progress, and a projected debt-free date • Log quick extra payments without exceeding the remaining balance • Compare avalanche, snowball, and hybrid payoff strategies • Explore payoff questions with the on-device Plan Assistant on compatible Apple Intelligence devices • Use Apple Intelligence-enhanced statement extraction on compatible devices • Get Earn ideas tailored to your skills and most expensive debt • Set local due-date reminders and export your ledger to CSV There is no subscription, in-app purchase, paywall, advertising, or paid feature tier. Generated features have no message or scan quotas because processing runs on-device. PRIVACY BY DESIGN There is no bank linking or sign-in account. Your debt ledger, statement processing, saved Plan Assistant conversation, prompts, and generated output stay on your device. On compatible devices, generated features use Apple's Foundation Models framework and Apple Intelligence with no network AI fallback. Debtless does not sell your data, record product usage, or include third-party ad, tracking, or analytics SDKs. Apple Intelligence and other generated output can be incomplete, outdated, misleading, or wrong. Debtless and its Plan Assistant are software planning and education tools, not financial advisers, and do not provide financial, legal, tax, credit-repair, lending, or investment advice. Verify important figures and creditor terms before acting. Terms: https://debtlessapp.com/terms/ Privacy: https://debtlessapp.com/privacy/