Debt Payoff Planner vs QuitAI

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

O QuitAI é um aplicativo de apoio à decisão financeira focado em ajudar você a pagar dívidas da forma mais eficiente possível. Ao informar suas dívidas e taxas de juros, o app identifica qual delas mais consome seu dinheiro ao longo do tempo e organiza a ordem ideal de quitação. Assim, você evita pagar juros desnecessários e ganha mais controle sobre suas finanças. O QuitAI foi pensado para ser simples, direto e honesto. Ele não vende crédito, não coleta dados sensíveis e não promete soluções milagrosas. O objetivo é reduzir a confusão e trazer clareza para decisões financeiras importantes. Com o QuitAI, você consegue: - entender qual dívida realmente deve ser priorizada - visualizar o impacto dos juros sobre seu dinheiro - tomar decisões mais racionais e menos impulsivas As informações exibidas são estimativas baseadas nos dados informados pelo usuário e servem como apoio à tomada de decisão, não como aconselhamento financeiro profissional. QuitAI Pague certo e economize juros.