Debtless vs Shahy

100% free. No ads. No subscriptions. Debtless keeps the number that matters most—the date you are projected to be debt-free—at the top of your plan. Add debts manually or scan a statement, log payments, and see the projection move as your balances change. EVERY FEATURE IS FREE • Track unlimited debts, payments, due dates, and savings goals • See total debt, minimum payments, payoff progress, and a projected debt-free date • Log quick extra payments without exceeding the remaining balance • Compare avalanche, snowball, and hybrid payoff strategies • Explore payoff questions with the on-device Plan Assistant on compatible Apple Intelligence devices • Use Apple Intelligence-enhanced statement extraction on compatible devices • Get Earn ideas tailored to your skills and most expensive debt • Set local due-date reminders and export your ledger to CSV There is no subscription, in-app purchase, paywall, advertising, or paid feature tier. Generated features have no message or scan quotas because processing runs on-device. PRIVACY BY DESIGN There is no bank linking or sign-in account. Your debt ledger, statement processing, saved Plan Assistant conversation, prompts, and generated output stay on your device. On compatible devices, generated features use Apple's Foundation Models framework and Apple Intelligence with no network AI fallback. Debtless does not sell your data, record product usage, or include third-party ad, tracking, or analytics SDKs. Apple Intelligence and other generated output can be incomplete, outdated, misleading, or wrong. Debtless and its Plan Assistant are software planning and education tools, not financial advisers, and do not provide financial, legal, tax, credit-repair, lending, or investment advice. Verify important figures and creditor terms before acting. Terms: https://debtlessapp.com/terms/ Privacy: https://debtlessapp.com/privacy/

Shahy is a personal money tracker built around the Ukrainian hryvnia. See at a glance how much you have, what is still left to pay this month, and where your money goes. • Accounts: as many cards as you need plus cash, with transfers between them. • Installments: this month's payment, remaining debt and payoff date. • Subscriptions and recurring payments: the app asks you to confirm each charge on its due date. • Debts with a reminder on the due date. • Savings, deposits and government bonds: interest and coupons are recorded automatically. • Analytics by month and category, monthly limits with notifications. • Dollars and euros with an exchange rate to hryvnia. • Balance and To pay widgets. Sync across your iPhones, single-file backup, CSV import and export, Face ID lock. Ukrainian and English.