PaidOff vs BrightPathDebtPath

PaidOff gives you one clear picture of everything you owe, then shows you month by month exactly how it ends. Add your credit cards and loans and PaidOff builds the whole schedule: every payment, how much of it is interest, how much comes off the balance, and the month you hit $0. Free to use, with no sign-up needed. Add PaidOff Plus to connect your bank and your debts update automatically. PAIDOFF PLUS • Connect your bank. PaidOff reads your debts straight from your bank, and your balances, posted payments, and rates update automatically. Bank connections are secured by Plaid. • Statements itemized by your bank. Each purchase, payment, and credit fills in on its own, next to the statement balance your bank reported. • Overdue warnings. A debt's card tells you when a payment is overdue and a late fee was applied. KEY FEATURES • Your debt-free date. The month your last debt hits $0, and how long that is from today. If one of your debts isn't going to clear at what you're paying, it says that too instead of quietly leaving it out. • The payoff timeline. Tap your debt-free date to see every debt in the order it clears, the month it's gone, and the year it lands in. • Total debt over time. A chart of where your debt has been and where it's headed, against last year and your 12-month average. Tap it for where you land and how much of the rest of the ride is just interest. • A statement for every month. The month opens at a starting balance, lists everything you recorded in the order it happened, and closes at what you owe. Tap any line to open the record behind it, or swipe it away. • Payments that show their work. Log what you actually paid and see where the money went: how much covered interest, how much came off the balance, what you owe now. On a loan the interest comes out of the payment. On a card it lands at the close of the month. The statement tells you which. • The adjustment line. When what you recorded and what PaidOff worked out don't match, the gap gets a line of its own instead of a number quietly bending. A purchase, an annual fee, or a payment you never logged shows up right there. • Confirm a month once it's settled. Payments you planned stay unconfirmed until you say they happened, so your schedule never claims something you didn't do. • A reminder on the day you pick. Set one on any debt, even while you add it. Choose the day of the month and the time, and your phone tells you it's time to track what you paid. It opens straight to that debt. • Sort Home your way. By payment day, with this month's payments in order and today marked, or by highest or lowest balance. • The full amortization schedule. Starting balance, payment, interest, principal, total interest, and ending balance for every month of every debt. It opens on today. • Edit anything, one month or many. Change payments or balances across a run of months at once and the whole schedule recalculates. Even the first month's starting balance is yours to set. • Your dates, not the calendar's. Say which day a card's statement closes and which day each payment lands, and every month is measured on your cycle instead of the 1st. • Real APRs. Promotional rates, deferred interest, and more than one rate on the same card. • Loans that haven't started yet. Plan one before it originates and it joins your schedule the month it begins. • The honest warning. If what you're paying will never clear a balance, PaidOff tells you straight and shows you the payment that will. • Back up and sync. Sign in with your phone number to back up your debts and open them on your iPhone or iPad. An account is always optional. • Private by design. Without an account, your financial data lives on your device, and your reminders are scheduled there too. Terms of Use: https://paidoff.io/terms Privacy Policy: https://paidoff.io/privacy

Debt payoff should feel clear—not overwhelming. BrightPath DebtPath helps you compare payoff strategies, understand interest and fees, and turn estimates into a practical monthly action plan. Enter your debts manually, adjust every assumption, and see how different payment choices may affect your path. Now with native iPhone and iPad layouts. PLAN WITH CLARITY • Add credit cards, personal loans, auto loans, medical debt, and other balances • Compare snowball, avalanche, and custom payoff orders • See estimated payoff dates, interest, fees, and total payment time • Model monthly or daily-simple interest • Account for promotional APR deadlines and recurring fees • Add recurring extra payments and one-time boosts • Edit every calculation assumption KNOW WHAT TO DO NEXT • See suggested payment amounts for the upcoming month • Identify minimum payments that may not cover estimated interest and fees • Catch promotional-rate deadline risks • Test how reducing your extra payment by 20% could affect the timeline • Follow a projected payoff calendar and milestones TRACK REAL PROGRESS • Record payments with principal, interest, and fee breakdowns • See progress against original balances • Schedule optional monthly and due-date reminders • Export debts, scenarios, boosts, and payment history as CSV PRIVATE BY DESIGN • Your plan is stored locally on your device; it does not sync between devices • No account, bank connection, or credit check is required • No advertising or third-party analytics SDKs • Optional Face ID, Touch ID, or device-passcode protection • On eligible devices, Apple Intelligence can explain already-calculated results privately on device • An offline explanation remains available when Apple Intelligence is unavailable FREE AND PRO The Free tier includes unlimited debt records, all three payoff strategies, one saved scenario, payoff calendars, progress tracking, reminders, plan-health insights, CSV export, and private explanations. DebtPath Pro unlocks unlimited saved scenarios with a one-time lifetime purchase. The current offer has no subscription or automatic renewal. Apple shows your local price before purchase. Existing monthly subscribers retain access while their subscriptions remain active under their existing renewal terms. Manage existing subscriptions through your Apple Account; a lifetime purchase does not cancel a subscription. BrightPath DebtPath provides educational estimates only—not financial, legal, tax, credit, or lending advice. Actual lender rules, compounding, statement timing, promotional terms, fees, minimum payments, and payment allocation may differ. Confirm payment and payoff instructions with each lender. CSV exports are summaries, not restorable backups. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/