Debt Payoff Planner vs Debtless

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

100% free. No ads. No subscriptions. Debtless keeps the number that matters most—the date you are projected to be debt-free—at the top of your plan. Add debts manually or scan a statement, log payments, and see the projection move as your balances change. EVERY FEATURE IS FREE • Track unlimited debts, payments, due dates, and savings goals • See total debt, minimum payments, payoff progress, and a projected debt-free date • Log quick extra payments without exceeding the remaining balance • Compare avalanche, snowball, and hybrid payoff strategies • Explore payoff questions with the on-device Plan Assistant on compatible Apple Intelligence devices • Use Apple Intelligence-enhanced statement extraction on compatible devices • Get Earn ideas tailored to your skills and most expensive debt • Set local due-date reminders and export your ledger to CSV There is no subscription, in-app purchase, paywall, advertising, or paid feature tier. Generated features have no message or scan quotas because processing runs on-device. PRIVACY BY DESIGN There is no bank linking or sign-in account. Your debt ledger, statement processing, saved Plan Assistant conversation, prompts, and generated output stay on your device. On compatible devices, generated features use Apple's Foundation Models framework and Apple Intelligence with no network AI fallback. Debtless does not sell your data, record product usage, or include third-party ad, tracking, or analytics SDKs. Apple Intelligence and other generated output can be incomplete, outdated, misleading, or wrong. Debtless and its Plan Assistant are software planning and education tools, not financial advisers, and do not provide financial, legal, tax, credit-repair, lending, or investment advice. Verify important figures and creditor terms before acting. Terms: https://debtlessapp.com/terms/ Privacy: https://debtlessapp.com/privacy/