Debt Payoff Planner vs Debt Payoff Tracker

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

DebtFree is a private debt payoff planner for iPhone. It helps you organize credit cards, personal loans, student loans, auto loans, medical bills and mortgages, then turns those balances into a clear plan built from your numbers. TURN DEBT INTO A DATE • Compare the Debt Snowball, Debt Avalanche and your own custom payoff order • See an estimated debt-free date, projected interest and what to pay next • Follow a month-by-month table showing payments, principal, interest and balance • Record regular, extra, partial, principal-only and lump-sum payments • Test an extra payment before changing your active plan WHEN REAL LIFE CHANGES THE PLAN Debt payoff rarely follows a perfect spreadsheet. Plan around paydays, essential commitments and a safety buffer. Schedule recurring extras, one-time income, reduced-payment months or a temporary return to minimum payments. DebtFree previews how a change may affect your date and estimated interest before you apply it. ARE YOU STILL ON TRACK? Compare the projected balance with your latest statement. If interest, fees or timing changed the result, DebtFree records a transparent adjustment and rebuilds the future plan without erasing payment history. Calculation explanations show the information and assumptions behind each projection. PRIVATE BY DESIGN No bank connection or DebtFree account is required. Core financial data stays on your device by default. No third-party ads or tracking. Optional manual iCloud backup and restore is available without Premium; this is not continuous sync. READY FOR iOS 27 Built with the iOS 27 SDK for the latest iPhone experience, including native navigation, privacy-first Siri Shortcuts, configurable widgets and on-device intelligence on supported devices. DebtFree continues to support iOS 17.0 and later. FREE & PREMIUM New free users can track up to 3 active debts, record payments and use essential payoff planning and basic Debt Coach explanations. Paid-off debts keep their history without using a slot. Premium adds unlimited debts, adaptive planning, saved scenarios, advanced analytics, custom ordering, assisted statement/CSV entry, exports and widgets. Existing users keep their grandfathered allowance. Eligible monthly and annual plans may include a 3-day free trial. Any available trial, local price and billing period are shown before purchase. Payment is charged to your Apple ID. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and can be managed in Apple ID settings. DebtFree provides estimates and educational information based on the details you enter. It does not provide financial, legal, tax, credit-repair, lending or debt-settlement advice. Support: https://debtpayofftracker.app/support/ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://debtpayofftracker.app/privacy/