Debt Manager vs Forge

*** No. 1 Ranked Finance App in the US & UK *** 'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST! 5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job" 5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!" 5-Stars - "This app is three things: Simple. Effective. Spot On." 5-Stars - "The details, features and thought that went into creating this app are endless." 5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across." Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts. You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now! *** Features *** -------------------- √ Simple and intuitive user interface - helps you see results quickly and clearly √ Hints and tips - don't worry, we will guide you through the process √ Summary shows your payoff progress - includes progress bar, your debt free date and your interest/time savings √ Choose from multiple pay off Strategies - Lowest Balance First - Highest Interest First - Highest Balance First - Custom Order √ An unlimited number of debts can be entered - each debt can be individually analysed - payments may be entered as a percentage of balance - support for introductory rates e.g. 0% for 6 months √ Monthly Payments may be recorded - either automatic or manual recording - allows you to keep track of your progress √ Backup & Restore - use popular Dropbox service for online storage - keep your data safe - manually sync between devices √ Choice of payment periods - handles monthly, weekly and fortnightly payments √ Extra Payments can be entered against each debt - helps pay off your debts even faster - can be entered Monthly, Yearly or as a One Off √ Transactions can be entered against each debt - allows you to take into account expenses/purchases - can be entered Monthly, Yearly or as a One Off - will increase the debt balance √ Try out various 'What-If' scenarios e.g. - a change in interest rate - increased monthly payments √ Export the debt details via Email - professionally formatted PDF or HTML - export individual debts or overall summary - includes full amortization schedules - charts are attached to the email export √ Interactive reports - easy visualisation of the debt breakdown - compare debts side by side - press, hold and slide to see the costs per month - pinch to zoom √ Set of Calculators are included to help you compute: - monthly payments - extra payments - payoff date - refinance benefits √ Notification of payments due - so you never forget to record a payment √ Passcode protection - keep your data safe √ Full manual is embedded within the app - has all the info you will ever need

Forge: Personal Finance Most finance apps are built by banks, funded by ads, and designed to sell you something. Forge is none of those things. No ads. No subscriptions. No accounts. No data collection. No cloud sync. No upsells. You pay once and own it forever. Your financial data never leaves your device — not because we say so, but because we never built the infrastructure to take it. Forge is an independent app built on one belief: you are capable of building your own financial future. You just need a clear plan and honest tools to execute it. BUILT AROUND THE 7 BABY STEP FRAMEWORK The proven framework championed by Dave Ramsey, John Bogle, Warren Buffett, Suze Orman, Ramit Sethi, and Morgan Housel — the world's most trusted financial voices. 1. $1,000 Starter Emergency Fund 2. Pay Off All Debt — snowball or avalanche 3. Full Emergency Fund — 3–6 months saved 4. Invest 15% for Retirement 5. Save for College 6. Pay Off Your Home Early 7. Build Wealth & Give FEATURES Smart Budget — Zero-based and 50/30/20 budgeting. Track every dollar by category. Monthly history with year-to-date totals. Category tips show exactly what belongs where and how much to target. Debt Payoff — Add your debts and see your exact payoff date. Watch how an extra $50/mo saves you thousands in interest. Net Worth Tracker — Monthly snapshots, long-term growth charts, wealth projections out 50 years. Financial Calculators — Compound interest, mortgage, debt payoff, savings goal, emergency fund. All offline. All instant. Goals — Set savings goals with monthly contribution tracking and progress trends. Forge Insights — Personalized recommendations based on your actual numbers, not generic advice. WHY NOT THE OTHER APPS? Big banks built apps to keep you dependent. Subscription apps need your recurring payment to survive. Ad-supported apps sell your behavior to the highest bidder. Forge has none of those incentives. We make money when you buy the app once — and that's it. Steel doesn't shape itself. You apply the heat. You swing the hammer.