Debt Manager vs Ask Dave

Get paid back faster. Debt Manager turns “I’ll pay you later” into money back in your pocket. Track every IOU, loan and unpaid invoice in one place — then let AI handle the awkward part for you. WHAT YOU CAN DO • Keep two ledgers side by side — what you’re owed, and what you owe • Snap a receipt, paste a bank alert, or say it out loud, and AI fills in the entry • Log part-payments and instalment plans; balances update themselves as money comes in • Let AI draft the reminder — casual, professional, or firm — then send it by WhatsApp, SMS, or anywhere else • Check how someone has paid you in the past, before you lend again • Split a bill across any number of people; everyone gets their own record and balance • Keep business and personal in separate books, each with its own balances, charts and currency • Send branded invoices, receipts and customer statements as proper PDFs • Stay ahead with a due calendar, overdue aging, and reminders that escalate as the date approaches • Attach photos, PDFs and documents to any record • 119 currencies, detected automatically from your region • Lock the app behind Face ID or Touch ID FREE, WITH NO LIMITS Unlimited debts, debtors and people. Search, filters, categories, attachments, due-date reminders, bill splitting, contact import, multi-currency and biometric lock — all free, no trial required. Plus three AI Smart Captures to try. DEBT MANAGER PRO Upgrade when you want the tools that actually get money moving: • Unlimited AI Smart Capture — receipts, bank alerts and voice • AI-drafted reminders in three tones • Partial payments, instalment plans and recurring schedules • Escalating auto-reminders before and after the due date • Separate business and personal books • Branded invoices, receipts and statements • Payment-history scoring, so you know who pays late • Insights: collection trends, overdue aging, top accounts, recovery projections • Due calendar and monthly collection goals • Custom tags and filtering • CSV export of debts, debtors and payment history • Priority support — your feedback and feature requests jump the queue • No ads WHO IT’S FOR Anyone who lends money to friends and family and would rather not have the awkward conversation. Freelancers and small businesses chasing unpaid invoices. Anyone who splits bills and is tired of doing the maths. SUBSCRIPTION TERMS Debt Manager Pro is available as a monthly or annual auto-renewing subscription. US pricing is $1.99/month or $14.99/year, with a 7-day free trial on the annual plan; prices in other regions are shown in the app. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours of the end of that period. You can manage or cancel your subscription in your Apple Account settings after purchase. Any unused portion of a free trial is forfeited when you buy a subscription. Privacy Policy: https://www.freeprivacypolicy.com/live/0d859161-9022-4545-a032-ef16777ad7a0 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ask Dave! is your personal AI mortgage assistant, built and owned by trusted mortgage expert David Krichmar, also known as Dave Your Mortgage Guy. This app is designed to help you make smarter mortgage decisions by answering your questions 24/7 — from loan types and credit requirements to closing costs and loan guidelines. It also provides the most accurate mortgage calculator available, along with a powerful mortgage payoff calculator. Backed by Dave’s 20+ years of experience and the latest in AI technology, Ask Dave! is your go-to resource for true mortgage answers. Features: Mortgage Q&A – Get instant, clear answers from an AI trained with real-world mortgage expertise, built by a real loan officer, David Krichmar. Mortgage Payment Calculator – Calculate the most accurate monthly payment possible, including taxes, insurance, and mortgage insurance. Mortgage Payoff Calculator – Discover how extra payments can save you years and thousands in interest. Designed for homebuyers, homeowners, and real estate professionals who want fast, reliable mortgage guidance without the guesswork. Powered by Dave Your Mortgage Guy™ David Krichmar Legend Lending Corporation LLC – NMLS #229421 Mortgage Banker – NMLS #293883 Top 1% Loan Officer Nationally Dave@DaveYourMortgageGuy.com Legend Lending Corporation, NMLS #229421. Loan Originator: David Krichmar NMLS # 293883. Equal Housing Lender. All loans subject to credit and property approval. This is not a commitment to lend. Programs, rates, and terms may change without notice. Consumers may file complaints with the Texas Department of Savings and Mortgage Lending at www.sml.texas.gov or by calling (877) 276-5550.