DebtErasr vs PayShift

DebtErasr helps you organize, understand, and erase your debt—faster and with less stress. Built for real people, not accountants, it uses AI to turn your credit card statements, PDFs, or screenshots into an interactive debt dashboard in seconds. Features: • AI Debt Advisor: Get personalized payoff strategies based on your balances, rates, credit score, and budget. • Smart Import: Snap a photo, upload a statement, or paste a balance—DebtErasr extracts the details automatically. • Custom Payoff Plans: Choose snowball, avalanche, or AI-optimized plans to save time, money, or build momentum. • Progress Tracking: Watch your debt shrink with clear visuals and monthly projections. • Community Support (coming soon): Ask questions, share wins, and connect with others on the same journey. • Secure and Private: Your data stays safe—encrypted and never sold. Whether you’re overwhelmed or just need a better system, DebtErasr gives you the tools to take control and make real progress.

PayShift turns your work schedule into your actual take-home pay — automatically. Add a shift with a start time, end time and break, and PayShift instantly works out your gross and net pay, including tax. No spreadsheets, no manual math. SHIFTS & PAY • Add shifts in seconds, with typeable break minutes • Gross and net pay calculated instantly, including tax/contributions • Evening, night, weekend and holiday surcharges, suggested automatically based on the date and time • Track tips per shift — they count toward your net pay, not your tax • Multiple jobs, each with its own rate, tax percentage and surcharges (Pro) ON YOUR WRIST AND HOME SCREEN • Apple Watch app — start, pause and stop a shift right from your wrist • Home Screen widget — see this period's net pay at a glance, no need to open the app • Live Activity on the Lock Screen and Dynamic Island — watch your pay grow while your shift is running SCAN A SCHEDULE PHOTO (Pro) Take a photo of your printed or digital work schedule and PayShift reads out the dates, times — and even the break, if your schedule shows worked hours separately. Review and adjust before importing. Everything is processed on your device; your photo is never uploaded anywhere. SEE THE BIGGER PICTURE • Weekly, 4-weekly or monthly pay periods, aligned to your actual payday • A full year overview with monthly breakdowns and insights • Export any period as a CSV file for your own records STAY IN SYNC • Two-way calendar sync: export shifts to your calendar, or import shifts from any calendar as a starting point (Pro) • Back up and restore your data as a file, any time — for free • iCloud sync across your devices (Pro) BUILT TO RESPECT YOUR DATA PayShift doesn't require an account, doesn't track you, and doesn't run ads. Your shifts and settings stay on your device unless you choose to sync them via your own iCloud account. Available in English, Dutch, German, Spanish, French, Italian, Portuguese and Polish.