Debt Payoff Planner vs ClearDebt

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

**TAKE CONTROL OF YOUR DEBT JOURNEY** ClearDebt is the most comprehensive debt management app designed to help you track, manage, and eliminate debt faster. Whether you're dealing with credit cards, student loans, mortgages, or personal loans, ClearDebt gives you the tools and insights to achieve financial freedom. **WHY CLEARDEBT?** COMPLETE DEBT TRACKING Track unlimited debts across all categories with full payment history. See your total debt, progress percentage, and estimated payoff date at a glance. Beautiful visualizations keep you motivated every step of the way. NEVER MISS A PAYMENT Smart payment reminders ensure you stay on track and protect your credit score. View all upcoming payments in one organized view, sorted by urgency. Set custom reminder times to match your schedule. PAYOFF SIMULATOR Discover exactly how much time and money you can save with our powerful payoff simulator. Compare different payment strategies side-by-side and find the optimal plan for your financial situation. See real results before making decisions. BEAUTIFUL PROGRESS TRACKING Watch your debt shrink with stunning charts and progress indicators. Celebrate milestones as you hit 25%, 50%, 75%, and finally 100% paid off. Visual motivation that keeps you focused on your goals. BUDGET INTEGRATION (PREMIUM) Track income, expenses, and savings alongside your debt payments for a complete financial picture. Set budgets by category, monitor actual spending, and identify opportunities to accelerate debt payoff. ADVANCED ANALYTICS (PREMIUM) Deep insights into your financial journey with detailed charts showing payment trends, balance reduction over time, and interest savings. Export your data anytime for backup or spreadsheet analysis. **KEY FEATURES** FREE VERSION: • Track debts with full payment history • Beautiful progress visualization with animated charts • Payment reminders and notifications • Payoff simulator with multiple scenarios • Debt-free countdown and milestone celebrations • Interest calculations and savings tracking • Support for all debt types • Secure local data storage • Dark mode support • No account required - complete privacy • Home Screen widget: total debt & next payment at a glance PREMIUM FEATURES: • Unlimited debt tracking • Complete budget management system • Advanced analytics dashboard • Data export (JSON formats) • Ad-free experience **PERFECT FOR** • Anyone working to become debt-free • People juggling multiple debts and payments • Those who want to pay off debt faster and save on interest • Users looking for debt payoff motivation and accountability • Financial goal setters and budget-conscious individuals • Anyone tired of tracking debts in spreadsheets **PRIVACY & SECURITY** Your financial data is important to us. ClearDebt stores all data locally on your device - we don't send your information to external servers. Optional iCloud backup keeps your data secure and synced across your devices. No account creation required means complete privacy. **PAYOFF STRATEGIES** ClearDebt helps you implement proven debt elimination strategies: • Debt Snowball Method - Pay smallest balances first for quick wins • Debt Avalanche Method - Target the highest interest rates to save money • Custom Strategy - Create your own payment plan **START YOUR JOURNEY TODAY** Download ClearDebt now and take the first step toward financial freedom. Your debt-free future is closer than you think! This app uses Apple's standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/