Debt Manager vs DigAjo

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/

DigAjo brings ajo (esusu / adashe) to your phone - the way Nigerians have saved together for generations, now transparent and in your pocket. Join or create a savings circle with people you trust. Everyone contributes on a set schedule, and each member collects the full pot on their turn. Same money in, same money out - the value of ajo is TIMING: a lump sum, exactly on your day. Why DigAjo: - Your money, kept safe. Contributions sit in a licensed bank through your own account - not with a collector who could disappear. This is what makes DigAjo different. - See your turn on the calendar. Know exactly which day you collect, and watch every contribution land. No guesswork, no "who paid?" arguments. - Kobo-level receipts. Every contribution and payout gives you a clear receipt you can save or share. - Built for real circles. Invite your people by phone, pick your slots, and contribute daily, weekly, or monthly. - Verified members. Identity checks keep your circle real. - Collect to your own bank. When it is your turn, withdraw the lump sum straight to your bank account. We will never promise you returns or profit. Ajo is not an investment - you collect the money you and your circle put in, on your day. What we promise is trust, transparency, and your turn arriving right on schedule. Save together. Collect on your day. That is ajo, done right.