Debt Payoff Planner vs Debt Strategist

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

Your bank hands you a 240-line amortization table. It never answers the only question that matters: what do I do with the extra 100 I have this month? Debt Strategist answers it. Enter your loans — mortgage, car, student, revolving credit — and see, in numbers, where your money should go. WHAT IT DOES • Portfolio — total remaining debt, monthly total, and the month you're debt-free. One screen, no spreadsheet. • Amortization — the full schedule for any loan, plus an interest-vs.-principal chart that shows exactly when your payment starts building equity instead of paying the bank. • Early repayment simulator — put 5,000 in today, or raise your payment by 200 a month, and see the months and interest it removes. • Snowball vs. avalanche — smallest balance first, or highest rate first? Both plans are computed side by side with the total interest and payoff date of each, so you choose with a number rather than a feeling. • Refinance analyzer — origination fees, prepayment penalty, new rate, new term, and the break-even month. Sometimes the answer is that a buyback costs you money. The app says so. • PDF export — a clean, printable report of your schedule or your buyback analysis, to take to your bank or your broker. BUILT ON TWO PRINCIPLES No account, no server. Your loans never leave your iPhone. This is arithmetic, not data to resell. No analytics, no third-party SDK, no sign-in. One payment, no subscription. A calculator shouldn't charge monthly rent. Buy it once, keep it. WHAT'S FREE, WHAT'S PAID Free: portfolio, loan detail, full amortization schedule, early repayment simulator. One-time purchase: snowball vs. avalanche comparison, refinance analyzer, and PDF export. GOOD TO KNOW Works in every currency your region uses, in English and French. No internet connection needed to compute anything. Dynamic Type and VoiceOver supported throughout. Debt Strategist computes; it does not advise. It is not a bank, a broker, or a financial adviser, and it makes no recommendation about any specific credit product.