AlmostZero vs Fade

AlmostZero is a personal finance app that helps you manage debt, track spending, and reach your savings goals. Credit cards, student loans, mortgages, auto loans — bring all your debts together in one app and get a clear picture of your financial situation. Struggling to plan repayments, spending more than you'd like, or finding it hard to save consistently? AlmostZero is designed to help you organize your money and stay on track without the stress. With visual progress indicators and practical repayment strategies, you can see exactly where you stand and how to move forward. 【Key Features】 ▸ Debt & Loan Management Track credit cards, personal loans, mortgages, auto loans, and student loans all in one place. The app automatically calculates accrued interest, remaining term, and estimated payoff date, so you can see the status of every debt at a glance. Repayment frequency is fully customizable — weekly, biweekly, monthly, quarterly, and more, matched to your income cycle. Clear progress charts show you how far you've come and help you stay motivated. Two proven repayment strategies are supported: the snowball method (pay off the smallest debts first) and the avalanche method (pay off the highest-interest debts first). Choose the strategy that fits your situation best. ▸ Expense Tracking Log your daily expenses and they're automatically organized by category. View spending by merchant or category to understand exactly where your money is going. Analyze spending trends by day, week, month, or year to identify your habits. Set a budget and receive a notification when you're approaching your limit. ▸ Savings Goals Create multiple savings goals with individual target amounts and deadlines. The app automatically calculates the savings pace you need and displays your progress clearly. A progress bar helps you stay on track. ▸ Link to Assets Connect your debts to assets like property or vehicles. By viewing debts and assets together, you get a more complete picture of your overall financial position. ▸ Tag Organization Use custom tags to organize your debts and expenses flexibly. View totals and statistics by tag to analyze your finances from different angles. ▸ Multiple Currencies All major world currencies are supported. Switch your display currency with a single tap — convenient for use abroad or managing finances across multiple currencies. ▸ Financial Education Access clear, approachable content covering debt management, savings tips, investing basics, and other financial topics. Build your financial knowledge right inside the app. ▸ Financial Calculator Simulate different repayment and savings plans with the built-in calculator to make more informed financial decisions. 【Privacy & Security】 Protecting your financial data is our top priority. AlmostZero supports biometric lock with Face ID and Touch ID. All data is stored on your device and synced securely through iCloud. No account creation or bank linking required. Your data is never collected or shared with third parties. 【Data Management】 iCloud sync automatically shares your data between your iPhone and iPad. Import and export in JSON format makes backup and data transfer simple. 【What Sets AlmostZero Apart】 • Built for debt reduction — packed with features to help you pay off what you owe • Simple and intuitive — powerful yet easy to use • Strong privacy — your data stays on your device and in iCloud only • Regular updates — new features and improvements added continuously Start today with AlmostZero and bring more clarity to your finances. Reduce your debt step by step and work toward your savings goals.

Track what you owe. Watch it disappear. Fade is a calm, private debt tracker that helps you see what remains and how far you have come. Add your debts manually, record payments, and watch your progress toward zero. A CLEAR VIEW OF YOUR DEBT Track mortgages, loans, credit cards, and other debts. Keep remaining balances, original amounts, payment history, and notes together. View totals and progress separately for each currency. EVERY PAYMENT COUNTS Record a payment and see your remaining balance decrease. Follow your progress with charts and milestones. Your monthly recap shows recorded balance reductions, payment and debt counts, and debts recorded as cleared. Turn on an optional monthly reminder to record a payment you have already made. YOUR YEAR IN FADE Revisit your recorded progress with Year in Review. Explore balance reductions, active months, your strongest month, and recorded debt completions separately for each currency. Share an image recap, with amounts omitted by default. Reviews reflect the records retained in Fade. PLAN YOUR WAY TO ZERO Add an interest rate and monthly payment to see an estimated payoff date and repayment details. Add a promotional rate and end date to account for an introductory offer. Estimates use the rates and payment you enter; actual lender balances, fees, and schedules may differ. PLAN AND WATCH Explore the new Plan tab for a payoff summary, individual timelines and explanations when estimates change. With Fade Lifetime, compare repayment strategies and schedule future budget changes. APPLE WATCH With Fade Lifetime, see progress, use complications and record payments from your Apple Watch with your iPhone. Amounts are hidden by default. SIRI AND SHORTCUTS Open a debt, start recording a payment, or check what is left to clear using Siri and Shortcuts. Payments are entered and confirmed in Fade. KEEP THE MOMENT When a debt is paid off, create a payoff receipt. Keep it in your archive, export a PDF, or share an image. Shared receipts keep financial details private by default; you choose which details to reveal. PRIVATE BY DESIGN No account, bank connection, advertising, or analytics. Debt tracking works offline, and records are stored on your device. Turn on optional app lock with Face ID, Touch ID, or your device passcode. Hide amounts, debt names, and notes when you need discretion. Recording reminders contain no financial details. BACKUPS YOU CONTROL Save debts, payments, payoff receipts, and saved What If options to a file through Files. Restore shows a summary and asks you to confirm replacing your current records. Exported files contain readable financial data; you choose where to store them. Fade Lifetime also offers optional iCloud sync across your devices. START FREE. UNLOCK MORE ONCE. Track one stored debt for free, including payments, editing, history, progress, and basic payoff estimates. Backups, reminders, privacy controls, and Shortcuts are also free. Paid-off debts count toward the free limit. An optional, one-time Fade Lifetime purchase unlocks: • Unlimited debts • What If simulations for extra monthly or one-time payments • Up to three saved repayment options per debt • Home Screen widgets for remaining debt, your next milestone, and estimated debt-free date • Optional iCloud sync across your devices No subscription. Simulations do not change your actual balances or recorded payments. Purchases and purchase restoration are handled by Apple and require an App Store connection. Made for iPhone, iPad, and Apple Watch, with English, Polish, German, Spanish, French, Italian, and Portuguese (Brazil), light and dark appearance, and localized currency and date formatting. Fade is a personal tracking tool. It does not make payments, connect to lenders, or provide financial advice.