MoneyMap vs Paycheck Debt Planner

Paid every two weeks? Most budgeting apps assume you aren't. MoneyMap plans around your real pay cycle, then shows one number: what's safe to spend today, after the bills and goals you've already committed to. BUDGET AROUND YOUR PAYCHECK, NOT THE CALENDAR Weekly, biweekly, twice a month, or monthly if that's what you want. Your budget starts on payday and runs to the next one, so the money in front of you is money you can actually use. • Spending plans that match how you're paid • See which bills land before your next payday • Plan ahead when income or hours change • Built for irregular income too: hourly, gig, tips, and freelance KNOW WHAT'S SAFE TO SPEND One clear Safe-to-Spend number that updates as you spend. It already accounts for upcoming bills and the goals you're funding, so you can decide at the checkout without doing math in your head. • Automatic expense and category tracking • Recurring bills and forgotten subscriptions, detected for you • Savings and debt-payoff goals that fund themselves • Secure bank connections powered by Plaid ONE SUBSCRIPTION FOR THE WHOLE HOUSEHOLD Invite your partner and share the same balances, bills, goals, and Safe-to-Spend number. You pay once. Other budgeting apps run about $15 a month, or charge extra for a second person. MoneyMap is $5.99 a month or $49.99 a year, and that covers everyone on your account. PRIVATE BY DESIGN • Your financial data is stored locally on your device • Sync is encrypted end to end • Face ID and Touch ID lock the app • No ads, and we never sell your financial data Stop guessing what your balance means. Know what's safe to spend. Privacy Policy: https://moneymap.cc/privacy Terms of Service: https://moneymap.cc/terms

Payday shouldn't start with a spreadsheet. Enter your paycheck and your due dates, and Paycheck Debt Planner tells you exactly what to do this cycle: which bills are due, which debt gets the next attack, and how much cushion you'll have left. Then it turns the long grind to debt-free into something you can actually feel — streaks, milestones, and a history of every cycle you stayed on plan. Curious before you commit? Tap "Try with Sample Data" to explore a fully populated plan instantly — no accounts, no bank connections, no sign-up. **TRACK YOUR JOURNEY** Paying off debt is a marathon — this makes the progress visible every single paycheck: - **Milestones & Celebrations** — Cross 25%, 50%, 75%, or fully clear a debt and the app celebrates the moment. Free for everyone. - **On-Plan Streaks** — Stay on plan and your streak grows, cycle after cycle — the small win that keeps the big goal moving. Free. - **Pay Cycle History** *(Premium)* — Look back at your recent finished cycles and how far you've come. --- **WHAT YOU GET, FREE** - **Payday Autopilot** — On payday, confirm your whole plan — required bills, minimums, and extras — in one tap, or adjust any item. Bills on autopay handle themselves. Zero bookkeeping. - **Interest Saved** — See how much interest your extra payments save, and how much sooner you're debt-free, vs. paying minimums only. - **Paycheck Plan** — Required payments and recommended actions the moment your paycheck lands — what you must pay vs. what you should. - **Debt Payoff Engine** — Snowball or avalanche, your choice. Tracks your focus debt, projects your payoff date, and puts the extra to work. - **Timeline View** — Your full pay cycle with a running safe-cash balance, so you always see where the money goes. - **Goals** — Emergency fund and savings funded before snowball, so your safety net builds while debt shrinks. - **Swipe-to-Pay** — Mark anything paid with one swipe; swipe back to undo. - **App Lock** — Face ID, Touch ID, or passcode. Off by default, on whenever you want it. - **Local Reminders** — A paycheck-eve nudge and a heads-up before your earliest unpaid bill. Opt-in and quiet. Also free: autopay flags, Auto/Light/Dark themes, undo-on-delete, and full backup + CSV import. **PREMIUM — SMART FORECASTING** Free gets you a complete, accurate plan. Premium gets you a plan that thinks ahead: - **Smart Insights** — Adaptive recommendations based on your actual cash pressure, cushion, and payoff pace, every cycle. - **Strategy Comparison** — Snowball vs. avalanche, side-by-side, using your real balances and APRs — not a generic rule of thumb. - **What-If Simulation** — Model an extra monthly payment before committing. See the new debt-free date and exact interest saved. - **3-Month Forecast** — Projected cushion, debt balance, and risk level three cycles out. Spot pressure before it's a missed payment. - **Amortization Schedule** — A month-by-month payoff schedule for your focus debt: interest, principal, and balance to $0. - **Pay Cycle History** — Look back at your recent finished cycles, so progress is never out of sight. **Subscription Details** Premium Monthly is an auto-renewing subscription billed at $4.99/month through your Apple ID account. It renews automatically for the same price and duration unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings > [your name] > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ · Privacy Policy: https://jsnyde03.github.io/debt-planner-site/privacy.html **BUILT FOR PRIVACY** Everything stays on your device — no accounts, no cloud, no bank connections, no trackers. App Lock uses Apple's on-device Face ID/Touch ID — your biometric data never reaches us. Weekly, bi-weekly, semi-monthly, and monthly pay schedules all supported. *Paycheck Debt Planner provides budgeting and organizational tools only and does not provide financial advice.*