Altero vs Debt Payoff Tracker

Altero helps you cut your monthly payment with a clear, realistic plan. Bring all loans into one place, test refinancing, and lock a strategy you can actually follow - while all calculations run on your device. What you can do with Altero: • Unify your loans in one dashboard (balance, rate, term, due dates, current payment). • Optimize payments to lower the monthly burden or speed up payoff - see the new payment and per-loan allocations. • Test refinancing scenarios (amount, rate, term) before you talk to a bank. • Generate a printable PDF report with your new monthly payment, allocations by loan, schedule highlights, and warnings - share via the iOS share sheet or bring it to your bank. • Stay safe with warnings: minimum-payment checks, threshold alerts, and sanity validations before you commit. • Set payment caps & discipline rules so the plan fits your budget and you can stick with it. • Track progress with clear timelines and payoff dynamics as you go. • Keep your data private: no account, no cloud sync—calculations are performed on-device. Why it works Altero focuses on one thing: a plan you can follow. You get concrete numbers (new monthly payment, per-loan allocations, dates), guardrails that prevent mistakes, and simple tools to test “what-ifs” until the plan fits your life. Privacy & pricing No sign-in. No data leaves your phone. Pay only when you run full optimizations - transparent, pay-per-use credits. Altero is a planning tool and does not provide financial advice. Always consider your personal circumstances and consult a qualified advisor if needed.

Zero - Know Your Debt-Free Date. Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom. CHOOSE YOUR STRATEGY - Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound. - Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall. - Compare both side-by-side: see which strategy saves more in interest and time. - Switch strategies anytime without losing your data. UNDERSTAND WHERE EVERY DOLLAR GOES - See every balance you owe - credit cards, auto loans, personal debts, and more - Track monthly interest charges and total interest cost per debt - Watch your principal balance shrink with every repayment - Know how your income and expenses affect your debt payoff pace - What-If Calculator: how much do you save by adding $100 or $500 per month? WATCH YOUR PROGRESS - Total debt countdown with a live payoff date projection - Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero - Days-to-freedom countdown (Premium) - Full repayment history (Premium) AI DEBT COACH (PREMIUM) Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom. - "Should I switch from Snowball to Avalanche?" - "What if I repay an extra $300 this month?" - "How do I free up income to accelerate my payoff?" Powered by advanced AI. 30 questions per day. ZERO PRO FEATURES - Unlimited debts (free tier: up to 5) - Full repayment history - Interest vs. principal monthly breakdown - Payoff timeline visualization - Days-to-freedom countdown - AI Debt Coach (30 queries/day) - Export to CSV - Shareable progress cards - Custom app icons FREE TIER INCLUDES - Up to 5 debts tracked - Snowball and Avalanche strategies with side-by-side comparison - Payment logging with milestone celebrations - Payoff date projection - What-If Calculator Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/