Debt Payoff Planner vs Fade

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

Track what you owe. Watch it disappear. Fade is a calm, private debt tracker that helps you see what remains and how far you have come. Add your debts manually, record payments, and watch your progress toward zero. A CLEAR VIEW OF YOUR DEBT Track mortgages, loans, credit cards, and other debts. Keep remaining balances, original amounts, payment history, and notes together. View totals and progress separately for each currency. EVERY PAYMENT COUNTS Record a payment and see your remaining balance decrease. Follow your progress with charts and milestones. Your monthly recap shows recorded balance reductions, payment and debt counts, and debts recorded as cleared. Turn on an optional monthly reminder to record a payment you have already made. YOUR YEAR IN FADE Revisit your recorded progress with Year in Review. Explore balance reductions, active months, your strongest month, and recorded debt completions separately for each currency. Share an image recap, with amounts omitted by default. Reviews reflect the records retained in Fade. PLAN YOUR WAY TO ZERO Add an interest rate and monthly payment to see an estimated payoff date and repayment details. Add a promotional rate and end date to account for an introductory offer. Estimates use the rates and payment you enter; actual lender balances, fees, and schedules may differ. PLAN AND WATCH Explore the new Plan tab for a payoff summary, individual timelines and explanations when estimates change. With Fade Lifetime, compare repayment strategies and schedule future budget changes. APPLE WATCH With Fade Lifetime, see progress, use complications and record payments from your Apple Watch with your iPhone. Amounts are hidden by default. SIRI AND SHORTCUTS Open a debt, start recording a payment, or check what is left to clear using Siri and Shortcuts. Payments are entered and confirmed in Fade. KEEP THE MOMENT When a debt is paid off, create a payoff receipt. Keep it in your archive, export a PDF, or share an image. Shared receipts keep financial details private by default; you choose which details to reveal. PRIVATE BY DESIGN No account, bank connection, advertising, or analytics. Debt tracking works offline, and records are stored on your device. Turn on optional app lock with Face ID, Touch ID, or your device passcode. Hide amounts, debt names, and notes when you need discretion. Recording reminders contain no financial details. BACKUPS YOU CONTROL Save debts, payments, payoff receipts, and saved What If options to a file through Files. Restore shows a summary and asks you to confirm replacing your current records. Exported files contain readable financial data; you choose where to store them. Fade Lifetime also offers optional iCloud sync across your devices. START FREE. UNLOCK MORE ONCE. Track one stored debt for free, including payments, editing, history, progress, and basic payoff estimates. Backups, reminders, privacy controls, and Shortcuts are also free. Paid-off debts count toward the free limit. An optional, one-time Fade Lifetime purchase unlocks: • Unlimited debts • What If simulations for extra monthly or one-time payments • Up to three saved repayment options per debt • Home Screen widgets for remaining debt, your next milestone, and estimated debt-free date • Optional iCloud sync across your devices No subscription. Simulations do not change your actual balances or recorded payments. Purchases and purchase restoration are handled by Apple and require an App Store connection. Made for iPhone, iPad, and Apple Watch, with English, Polish, German, Spanish, French, Italian, and Portuguese (Brazil), light and dark appearance, and localized currency and date formatting. Fade is a personal tracking tool. It does not make payments, connect to lenders, or provide financial advice.