Dibsflow vs Payoff Path

Dibsflow - Keep Your Finances in View Dibsflow helps you clearly record and analyze your income and expenses - locally on your iPhone or iPad, with clear monthly and yearly views. Start with a 14-day free trial and then keep full control with a one-time purchase - no subscription and no hidden costs. Highlights: Overview • Monthly and yearly views: see at a glance what comes in, what goes out, and what remains • Flexible date range selection for every need • Color-coded figures for income, expenses, and available balance • Filters by person and category for targeted analysis Entries • Help for the most important features directly in the app • Quickly record and edit income and expenses • Copy entries, months, or years; clear months or years; show or hide years • Multiple person criteria, flexible categories, and sorting • Split expenses - including for a limited period (e.g. specific months only) Categories, People & Data • Categories with filtering in analysis • Color coding for better orientation • Backup and restore • Export and share data (e.g. for secure storage or transfer) Statistics & Details • Help for the different views directly in the app • Bar chart overview for quick trend analysis • Pie chart by category • Tables for income, expenses, and balances • Time filters: e.g. current month, last 3 or 6 months, year, and more • Combination of time, person, and category filters • Search within entries • PDF export of filtered or all displayed data • Store receipts, invoices, or bills in the app and assign them to amounts Ideal For • Fairly sharing shared expenses • Keeping track of shared budgets • Structuring household expenses • Keeping personal income and expenses organized Privacy & Usage • Data is primarily stored locally on your device - no account and no cloud requirement for the core app • Work without mandatory registration; use iOS features for export, sharing, or import as needed • 14-day free trial with full functionality • One-time purchase, no subscription trap

Keep every loan, credit card and line of credit in one place, and find out exactly when you'll be debt-free. Enter your monthly budget and the app simulates your payoff with daily interest calculations. It also tells you ahead of time whether your cash will last until payday. There's no limit on the number of loans, and all the calculations and records are free. ■ Will it last until payday? (Premium) • Home shows whether your cash will last until your next payday, with an alert 3 days before you're likely to run short • Forecast balances per account (bank, cash, e-wallet), credit card bills and installment plans together • An "Until payday" widget, and export to the iPhone Calendar ■ Home • Total balance, progress, this month's payments, payoff date and the interest still to come, at a glance • A checklist for this month: target, paid so far and what's left for each loan • Balance breakdown (pie chart) and balance over time (actual and forecast) ■ Payoff simulation • Set a total monthly payment and compare "minimums only", "highest rate first" (avalanche) and "smallest balance first" (snowball) • When a loan is paid off, its payment automatically rolls over to the others • Add extra in bonus months, or work back from a target date to find the monthly amount you need • Compare with refinancing or consolidating ■ Payment history • Record payments for several loans at once, and correct interest or balance to match your statement • Handles additional borrowing and balance adjustments • Reports show how your balance changed over any period, split into principal and interest ■ Payment calendar • See due dates, payments made, overdue items and new borrowing month by month • Due dates that fall on a weekend can move to the previous or next business day ■ Flexible terms • Promotional (introductory) rates and rate changes • Payments on a fixed day each month, or every 35 days • Works with your local currency ■ Private by design • Your data stays on your device (iCloud sync only if you turn it on) • Face ID lock, due date reminders, home screen widget • Backup export and restore • Lock screen widgets • Export your history and payoff plan as CSV • Milestone celebrations at 25%, 50% and 75% paid ■ Premium (one-time purchase) • Removes ads • Cash flow calendar: add your salary and bills to see whether you'll have enough on each due date • Home and widget show whether your cash lasts until payday, with an alert 3 days before you run short • Balances per account, credit card bills and installment plans • Save and compare payoff scenarios, including one-off extra payments • A printable PDF of your loans and payoff plan • Milestone cards • Export due dates and planned income/expenses to the iPhone Calendar • Alternative app icons that don't look like a debt app • Import planned expenses into the monthly payment memo ※ Results are estimates. Check your actual interest and amounts due with your lender. ※ This app does not recommend borrowing or refinancing.