Debt Payoff Planner vs Expensease

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://debtpayoff.app/privacy Terms of Use: https://debtpayoff.app/terms

Expensease makes splitting expenses with friends, roommates, family, and groups simple — while also helping you track your own spending. Whether you are planning a trip, sharing a flat, eating out with friends, or managing everyday expenses, Expensease helps you add expenses, split them fairly, and settle up with confidence. SPLIT WITH FRIENDS & GROUPS • Create friends and groups for trips, flatmates, family, and regular crews • Split expenses equally, by exact amounts, or by percentage • Record more than one payer on a single expense • Review every expense before saving • Keep track of who paid, who owes, and what still needs to be settled SETTLE UP EASILY • See clear balances for each friend and group • Record payments and settle balances in a tap • View only your settlements or everyone’s settlements in a group • Keep balances separated by currency, so different currencies are never mixed together TRACK YOUR OWN SPENDING • Add personal expenses for your own tracking • Organise spending by category • View monthly insights and budget progress • Manage payment accounts, transfers, and balances MAKE IT PERSONAL • Add your own profile photo • Add photos to your groups • Clean initials are shown when no photo is added • Use light mode, dark mode, or match your system appearance BUILT FOR EVERYDAY USE • Add expenses even when you are offline • Sync automatically when you are back online • Find friends from your contacts, with permission • Invite others to join using a link • Export your expenses when you need a copy Expensease is designed to be simple, reliable, and easy to use — without clutter or confusing calculations. No more awkward money talks. No more lost notes. No more guessing who owes what. Stay organised. Settle fairly. Track smarter.