Altero vs Debt Payoff Planner

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.

DebtLog helps you pay off multiple debts: it plans your payoff order, shows your debt-free date and lets you log every payment along the way. [All your debts in one place] Add as many credit cards, loans, car loans, student loans or medical bills as you need. Edit balances, APR, minimum payments and due dates anytime. [Payoff order and debt-free date] Enter your monthly budget and choose snowball (smallest balance first), avalanche (highest APR first) or your own order. DebtLog builds the plan, shows your debt-free date and total interest, and rolls freed-up payments into the next debt automatically. [Just log your payments] Record payments, extra payments and new charges. Balances and your debt-free date update instantly, and past entries can be edited or deleted. A reminder on each due date lets you log the payment in one tap. [See your progress] A balance chart, percent paid off, interest paid this year and a list of debts you have cleared keep you motivated. [No account. Data stays on your phone] No sign-up and no bank connection. Your data is stored on your device. Move it to a new phone with a backup file and export CSV anytime. [Premium] Save and compare multiple payoff plans, simulate a windfall payment, set 0% promo periods and deferment, PDF reports, and no ads. Results are planning estimates, not financial advice. Check your lender's statements for exact amounts. Terms of Use (EULA): https://show-ec09e.web.app/terms.html Privacy Policy: https://show-ec09e.web.app/privacy.html