Debt Payoff Planner vs Track My Bills

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

Never miss a bill again. Track My Bills is the smartest bill tracker and subscription manager — helping you stay on top of every recurring payment, direct debit, and annual renewal, all in one beautifully simple app. Whether you're managing household utilities, streaming subscriptions, insurance renewals, gym memberships, or annual debt repayments, Track My Bills puts you firmly in control of your outgoings. No more surprise charges, no more late payment fees, and no more losing track of what you're spending each month. SMART REMINDERS, YOUR WAY Get notified before bills are due with fully customisable reminders. Its felxible enough to add additional reminders — giving you time to move money, set up a payment, or simply budget ahead. Add a second reminder even closer to the day for extra peace of mind. Each bill has its own reminder settings, so you're always in control. COMPLETE PAYMENT HISTORY Record every payment with the exact date, amount, and notes. Build a full history of what you've paid and when — useful for spotting price creep, disputing charges with providers, or simply understanding your financial habits over time. RENEWAL TRACKING MADE EASY Renew bills at the same cost in one tap, or update the amount and due date when prices change. Track My Bills makes it effortless to stay current, so your bill list is always accurate and up to date. SPENDING INSIGHTS & CHARTS See exactly where your money goes each month. Visual charts break down your spending by category — utilities, subscriptions, insurance, and more — giving you a clear picture of your monthly and annual outgoings at a glance. Understanding your budget has never been simpler. PRICE HISTORY Watch how your bills change over time. Track My Bills logs every renewal so you can see exactly when providers raised their prices — and by how much. Perfect for spotting sneaky annual increases before your next renewal. KEY FEATURES - Smart reminders — customisable working-day alerts per bill, with optional second reminder - Payment history — full log of every payment with date, amount and notes - Renewal tracking — one-tap renewal or update amount and due date - Spending insights — monthly and annual spend by category with visual charts - Price history — track cost changes across every bill over time - Custom categories — organise bills your way - Notes per bill — store account numbers, provider details and contract info - Passcode & Face ID — lock the app for privacy - Dark mode — automatic dark and light mode support - iCloud sync — bills sync seamlessly across all your Apple devices PERFECT FOR Household bills · Monthly subscriptions · Streaming services · Insurance renewals · Gym and club memberships · Mobile phone contracts · Broadband and utilities · Annual renewals · Direct debits · Debt repayments Take control of your finances today. Download Track My Bills and never be caught off guard by a bill again.