Debt Payoff Planner vs Clear Balance

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

Clear Balance is a privacy-first debt tracker and payoff planner designed for UK residents. Organise everything in one place, record your progress and explore different repayment approaches without connecting your bank account. Whether you are managing credit cards, loans or other personal debts, Clear Balance helps you see where things stand and consider what your repayment journey could look like. Plan Around Your Priorities: Compare three repayment approaches: • Snowball - prioritise the debt with the smallest balance • Avalanche - prioritise the debt with the highest interest rate • Balanced - weighs balances and interest rates Review how each approach may affect your estimated debt-free date and potential interest costs. Clear Balance provides useful projections based on the information you enter, helping you compare your options without presenting one approach as right for everyone. Track Your Debts and Payments: Keep your balances and repayment activity organised in one straightforward place. • Add and manage multiple debts • Record regular and additional payments • Monitor remaining balances • Track progress and achievements • View an estimated debt-free date • Review potential interest savings Your plan updates as you record payments, giving you a more current view of your progress. Explore Extra Payment Scenarios: See how additional payments could change your estimated repayment schedule. Test different amounts before making any decisions and compare the possible effect on your payoff date and interest costs. All projections are estimates and may differ from actual lender calculations. Build a Simple Budget: Create a clear overview of your monthly income and spending. The built-in budget helps you understand what may be available after essential expenses, so you can consider repayment amounts that fit your circumstances. Private by Design: Clear Balance does not require a bank connection. You enter and manage your information manually, giving you control over the financial details you choose to add. There is no need to share online banking credentials or give the app access to your bank transactions. Plain-English UK Guidance: Access straightforward information created with UK users in mind. Learn more about common debt terminology, repayment approaches and places to look for further support without unnecessary jargon. Clear Balance Can Help You: • Organise debts in one place • Keep a record of payments • Compare Snowball, Avalanche and Balanced plans • Explore estimated payoff dates • Test the possible effect of extra payments • Create a simple monthly budget • Access practical UK debt information • Plan without linking a bank account Start organising your debts and exploring repayment options at your own pace. Some planning features, including debt-free date projections, estimated savings, strategy comparisons and extra-payment scenarios, require Clear Balance Premium through an auto-renewable subscription. Subscription details and pricing are shown before purchase. Download Clear Balance: Create a private plan based on the information you choose to enter. Important: Clear Balance is an organisational and educational tool. It does not provide financial, debt or other regulated advice. Dates, interest costs and potential savings are estimates based on the information entered and the assumptions used. Actual results may vary. If you need advice tailored to your circumstances, consider contacting an appropriately authorised adviser or a recognised UK debt-support organisation. Clear Balance Premium is available as an auto-renewable subscription. Subscription details and pricing are shown before purchase. Terms of Use: Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Clear Balance Terms of Use: https://clearbalance.uk/terms.html Privacy Policy: https://clearbalance.uk/clear-balance-privacy.html