Debts.app vs Debt Payoff Tracker

Managing debts doesn’t have to be stressful. This app keeps all your debts, repayments, and balances in one clear, reliable place — so you always stay in control. Whether you lend money, borrow in multiple currencies, or want a better overview of your finances, the app gives you clarity and peace of mind. Why you’ll love it: Stay organized Track what you owe and what others owe you — clearly structured, easy to update, always accessible. Never miss a payment Set repayment dates, sync with your calendar, and receive smart reminders. Understand your progress Interactive charts show how your debts change over time and how close you are to becoming debt-free. Instant Spotlight access Search a contact in Spotlight and instantly view related debt information — fast and seamless. Siri & Shortcuts support Use voice commands like “Siri, open debts list” for quick, hands-free access. Multi-currency support Perfect for travel, shared expenses, and international payments. Secure cloud sync Your data is safely backed up and available across your devices. Home screen widgets See your key numbers at a glance without opening the app. Privacy first Your financial data stays private and is never shared with third parties. Track loans, split expenses, and manage repayments with confidence — all in one simple, powerful app. Subscription Information An active subscription is required to access all features, including cloud sync, widgets, charts, notifications, multi-currency support, Spotlight integration, and Siri Shortcuts. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula

Zero - Know Your Debt-Free Date. Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom. CHOOSE YOUR STRATEGY - Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound. - Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall. - Compare both side-by-side: see which strategy saves more in interest and time. - Switch strategies anytime without losing your data. UNDERSTAND WHERE EVERY DOLLAR GOES - See every balance you owe - credit cards, auto loans, personal debts, and more - Track monthly interest charges and total interest cost per debt - Watch your principal balance shrink with every repayment - Know how your income and expenses affect your debt payoff pace - What-If Calculator: how much do you save by adding $100 or $500 per month? WATCH YOUR PROGRESS - Total debt countdown with a live payoff date projection - Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero - Days-to-freedom countdown (Premium) - Full repayment history (Premium) AI DEBT COACH (PREMIUM) Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom. - "Should I switch from Snowball to Avalanche?" - "What if I repay an extra $300 this month?" - "How do I free up income to accelerate my payoff?" Powered by advanced AI. 30 questions per day. ZERO PRO FEATURES - Unlimited debts (free tier: up to 5) - Full repayment history - Interest vs. principal monthly breakdown - Payoff timeline visualization - Days-to-freedom countdown - AI Debt Coach (30 queries/day) - Export to CSV - Shareable progress cards - Custom app icons FREE TIER INCLUDES - Up to 5 debts tracked - Snowball and Avalanche strategies with side-by-side comparison - Payment logging with milestone celebrations - Payoff date projection - What-If Calculator Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/