Debt Tracker by UnDebt vs Debt Payoff Planner

Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there. Add what you owe — credit cards, student loans, car finance, the money you borrowed off your sister — and see the whole picture on one screen: your total balance, what you're owed back, and how much you've already cleared. ONE CLEAR BALANCE Everything you owe in a single number, with a progress bar showing how far you've come and a countdown to the day you're debt-free. A PAYOFF DATE YOU CAN PLAN AROUND Enter each debt's balance, interest rate and minimum payment, and Debt Tracker works out the month it clears. Then try paying a little extra and watch the date move — see exactly what an extra amount each month saves you in time and interest. THREE STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Compare all three side by side, see which clears your debt soonest and cheapest, then pick one as your plan. WATCH THE BALANCE FALL Charts show your balance dropping month by month, so progress is something you can see rather than something you have to take on faith. NEVER MISS A DUE DATE Set due dates and get reminded up to a week ahead, so late fees don't undo your work. Mark the ones that repeat monthly and they look after themselves. A calendar view shows what's coming. MONEY YOU'VE LENT, TOO Most debt apps only look one way. Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. LOG EVERY PAYMENT Record payments as you make them and watch the balance and payoff date move. Milestones at 25%, 50% and 75% mark the way, because clearing debt is a long road and it helps to see the markers. ORGANISED HOWEVER YOU THINK Group debts into categories that make sense to you, and tag each one as a credit card, student loan, mortgage, medical, tax or personal loan. See at a glance which kind of borrowing is costing you most. PRIVATE BY DEFAULT No account. No sign-up. Your debts stay on your device unless you choose otherwise. Turn on iCloud sync and they travel with you across iPhone and iPad, in your own private iCloud — never on our servers. Export everything to CSV any time, so your data is always yours to take. BUILT PROPERLY Full support for Dark Mode and Dynamic Type, so it looks right and reads comfortably however you have your phone set up. DEBT TRACKER PRO A subscription unlocks: • Unlimited categories • Payoff dates and what-if projections • Strategy comparison across all your debts • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are available to everyone) • All 25 supported currencies Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Terms and Privacy Policy: https://undebt5.wordpress.com/

Debt Payoff Planner is a debt payoff app for iPhone. Enter your loans, credit cards and other debts, compare the snowball and avalanche methods, see your estimated debt-free date, and record every payment. No account and no bank connection: your data stays on your device. WHO IT IS FOR People paying off one or several debts who want one clear plan: which debt gets the extra money first, when each debt is paid off, and how much interest the plan saves. It works both ways: track loans, credit cards and mortgages you owe, plus money friends or family owe you. WHAT YOU CAN DO - Add debts with balance, interest rate, monthly payment and due date - Track debts you owe and debts owed to you - Categorize debts (credit card, auto loan, student loan, mortgage or custom) - Log payments; balances and progress update automatically - See the principal vs interest breakdown of each payment - Get reminders before due dates and see which debts are overdue PAYOFF STRATEGIES - Snowball: smallest balance first, for quick wins - Avalanche: highest interest rate first, to pay less interest Enter an extra monthly amount and compare both methods: debt-free date, months to go and estimated interest. When one debt is paid off, its payment moves to the next one. STATISTICS - Total debt overview for debts you owe and debts owed to you - Debt-free date countdown - Payment breakdown charts and monthly payment trends - Average monthly payment ACHIEVEMENTS - Progress badges at 25%, 50%, 75% and 100% - Streaks for on-time payments - Celebration screens when you reach a goal FREE AND PREMIUM Free: up to 3 debts, payment logging, reminders, the debt-free estimate and basic statistics. Premium adds: - Unlimited debts - Strategy comparison with the exact payoff order - Advanced statistics and charts - Debt-free date forecast - Payment streak tracking and global achievement badges - PDF report export ALSO INCLUDED - Loan calculator to estimate a new loan - Works offline - No account required - 13 languages PRIVACY Debt Payoff Planner does not connect to your bank and does not access financial accounts. You enter debts manually and track payments yourself. Your records are stored on your device. SUBSCRIPTION Monthly: $4.99/month. Yearly: 7-day free trial, then $29.99/year. Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours before the end of the current period. You can manage and cancel subscriptions in your App Store account settings after purchase. Privacy Policy: https://linasdev.io/privacy Terms of Use: https://linasdev.io/terms