Debt Payoff Accelerator vs Debtides

Want to take control of your loan payments and save big? Our loan calculator offers a game-changing feature: inflation accounting. By adding just a little extra to your monthly payment, you can cut down your total interest and shorten your loan term by 2 to 3 times. The best part? The higher the interest rate, the more you’ll benefit from this feature as it helps you manage the compound interest! This tool is perfect for those who struggle with small rate increases and limited income—now everyone, regardless of their debt load, can start thinking about early repayment. And with the results, you can save your calculations as a PDF, share them instantly, or even print them out for easy reference. Plus, our ‘Smart Payment Schedule’ feature makes it even easier by combining extra payments quarterly or semi-annually in the early years. This simplifies the process and shows you exactly how much faster you can reduce your debt!

Understand your debt with a clear repayment workspace built around your numbers. Debtides helps you model scenarios, generate payment timelines, record progress, and see how principal, interest, recurring payments, and time shape the path ahead. BUILD A REPAYMENT PLAN • Enter any three values—principal, interest rate, recurring payment, or duration—and let Debtides calculate the fourth. • Choose daily, weekly, biweekly, monthly, bimonthly, quarterly, or yearly payment schedules. • Add a start date for calendar-based payment dates, or plan without one. • Explore changes before committing them to your saved debt. SEE THE FULL TIMELINE • Follow every scheduled payment row by row. • Switch between balance and principal views. • View schedules by payment count or date. • See total debt, added interest, repayment term, progress, remaining balance, and estimated payoff date. TRACK WHAT YOU PAY • Mark individual payments, months, or years as paid. • Keep completed payment history while future balances recalculate. • See your next upcoming payment from the home screen. • Schedule optional local reminders for dated payments. PRIVATE BY DEFAULT Debtides works without registration. Your debt details begin on your device, and creating an account is optional. Sign in only when you want eligible backup, synchronization, and restoration features. Debtides contains no ads and does not sell your personal information. FREE AND PREMIUM The free version includes up to three debt workspaces and the first six payments of each timeline. Debtides Premium unlocks unlimited workspaces and payment tracking, full timeline visibility and editing, cloud backup, and multi-device synchronization. Premium is an auto-renewing monthly subscription managed through the App Store and can be cancelled through your Apple subscription settings. Debtides is a personal planning and tracking tool—not a lender, bank, credit bureau, or financial adviser. Calculations and payoff timelines are estimates. Actual lender results may differ because of fees, compounding methods, posting dates, rate changes, and other contract terms. Verify important figures with your lender or a qualified professional. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/