PayoffPilot vs DebtClear

Get out of debt with a plan you can actually see. PayoffPilot compares the two proven payoff strategies — Snowball and Avalanche — side by side with your real numbers, shows you exactly when you'll be debt-free, and tracks every payment along the way. NO SUBSCRIPTION. NO ACCOUNT. NO ADS. Your financial data never leaves your phone. Nothing is collected, nothing is shared. The optional Pro upgrade is a single one-time purchase — not another monthly bill (you're here to get rid of those). FREE FOREVER • Track unlimited debts — credit cards, auto loans, student loans, mortgages, and more • Snowball vs. Avalanche comparison with your debt-free date • See interest savings and time saved between methods • Log payments and watch balances fall • Milestones that celebrate real progress • Payment reminders so due dates never sneak up • Face ID / Touch ID app lock • Full dark mode PAYOFFPILOT PRO — PAY ONCE, KEEP IT FOREVER • Scenario Simulator: test extra monthly payments and one-time windfalls before you commit real money • PDF reports: export your full payoff plan to share or print • Complete comparison detail: per-method breakdowns, interest charts, and payoff timelines HOW IT WORKS 1. Add your debts — balance, rate, minimum payment 2. Set your monthly budget 3. Pick your strategy and follow the plan Snowball pays smallest balances first for quick psychological wins. Avalanche pays highest interest first to save the most money. PayoffPilot shows you both — with real dollar amounts — so you choose with your eyes open. Built by an independent developer. No venture capital, no data harvesting, no dark patterns. Just a tool that wants you debt-free.

DebtClear — See the True Cost of Your Debt Take control of your debt with clarity and confidence. DebtClear helps you understand how much you’re really paying in interest, when you’ll be debt-free, and how extra payments can reduce your total cost. No bank connections required. Simply enter your debt details and visualize your payoff plan instantly. KEY FEATURES • Full interest breakdown — see lifetime interest, total cost, and monthly impact • What-If scenarios — test extra payments and compare strategies • Mortgage calculator — analyze long-term home loan costs • Household Mode — combine finances with a partner • Smart insights — personalized tips based on your debt data • Clean, easy-to-understand visualizations FREE PLAN The free version allows: • Up to 2 debts • Up to 5 expenses Upgrade to Premium for unlimited debts and full feature access. SUBSCRIPTION DETAILS DebtClear Premium is available as an auto-renewable subscription: • Monthly: $9.99 per month • Yearly: $59.99 per year Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your App Store account settings. DebtClear does not provide financial, legal, or investment advice. All calculations are estimates based on the information you enter. Privacy Policy: https://legal-shield-helper.replit.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/