Debt Payoff Planner vs Zero

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

Zero helps you pay off debt - one number, one step at a time. No spreadsheets. No stress. Just a calm, clear plan to get to zero. See everything you owe as a single number, with your real debt-free date. Then pick a proven payoff method and watch that date get closer every time you make a payment. WHY ZERO • One clear number - all your debts add up to a single balance and a real payoff date. • A plan that works - choose Fast Wins (debt snowball) for momentum, or Less Interest (debt avalanche) to save the most money. • Never miss a payment - gentle reminders before each due date, then one tap to mark it paid. • Stay motivated - a progress ring, payment streaks, and milestone celebrations keep you going. • See "what if" - move one slider to see how paying a little extra each month brings your debt-free date sooner. BUILT FOR REAL LIFE Student loans, credit cards, a car loan, or medical bills — Zero keeps it simple. Add what you owe in three quick fields and you're set. PRIVATE BY DESIGN Your numbers stay on your device. No bank logins, no accounts, no servers. FREE TO GET DEBT-FREE The core tools - tracking, reminders, and the snowball & avalanche plans — are free forever. Zero Plus is an optional one-time unlock for unlimited debts, home-screen widgets, custom reminders, and unlimited what-if calculations. Start today. Get to zero. Terms of Use (EULA): https://appcitystudios.com/eula Privacy Policy: https://appcitystudios.com/privacy-policy