Goodbye Mashonisa vs Payoff Formula

Goodbye Mashonisa is a debt management app built to help working people escape the debt trap. It brings your loans into one place and turns them into a realistic plan. Key features Debt tracker for multiple lenders and debt types Debt-to-income indicator to measure affordability and risk Payoff plans with Snowball and Avalanche options What-if calculator for extra payments, consolidation, and new borrowing Payoff timeline and milestones to keep you focused Education hub with bite-sized lessons in English and siSwati How it works Add each debt, including balance, interest rate and payment date. Add your income estimate to calculate your debt-to-income ratio. Choose a payoff strategy and see your debt-free date. Test scenarios to find the best path, then apply it to your plan. Who it is for Anyone who wants a simple, practical way to manage debt, stay organised, and make better borrowing decisions. Goodbye Mashonisa supports healthier habits through tools and education. It does not provide loans and does not offer regulated financial advice

Payoff Formula helps you build a clear plan to pay off your credit card debt. Enter your balance, credit limit, interest rate, and how long you want to pay it off. The app calculates your monthly payment using a utilization-based formula and shows you a complete month-by-month schedule. No guessing. No hidden math. Every step of the formula is shown so you understand exactly what you're paying and why. Features: Step-by-step math breakdown of your payoff plan Month-by-month payment schedule with utilization tracking Color-coded utilization zones (red, yellow, green) Add multiple credit cards and compare plans Summary with highest payment, lowest payment, and total cost All data stored locally on your device No login, no ads, no tracking, completely free Built by DevAppStudios.