Debt Payoff Planner vs リボ払い卒業ノート

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

リボ払い・分割払いの残高を手入力で見える化し、完済までの道のりを一緒に歩くアプリです。口座連携なし・完全オフラインだから、誰にも知られず自分のペースで取り組めます。 ■ 現状を見える化 ・カードごとに残高・実質年率・月々の支払額を登録 ・全カードの合計残高と完済までの進捗バーをひと目で確認 ■ 完済予測（概算シミュレーション） ・「あと何ヶ月で完済できるか」「利息を総額いくら払うのか」を月次シミュレーションで計算 ・支払額が利息を下回る場合は「このままでは完済できない」ことも正直に表示 ■ 繰上返済シミュレータ ・「月々あと5,000円足したら？」→ 何ヶ月短縮できて利息がいくら減るかを即計算 ・この機能は試用期間後もずっと無料で使えます ■ 我慢記録 ・「今日はリボにしなかった」を記録すると、節約できた利息の概算が貯まっていきます ■ マイルストーン演出 ・完済まで25%・50%・75%の節目でバッジを獲得。完済時にはお祝い画面が待っています ■ 料金 無料ダウンロード＋7日間の全機能お試し付き。その後は買い切り¥800（登録済みデータの閲覧・シミュレータはずっと無料）。 ■ ご注意 表示される金額・完済予測はすべて概算のシミュレーションです。実際のカード会社の計算方式により差異が生じます。本アプリは金融助言や借換えの勧誘を行うものではありません。 プライバシーポリシー: https://goonobu-dot.github.io/batch13-pages/ribonote/privacy.html サポート: https://goonobu-dot.github.io/batch13-pages/ribonote/support.html