PayOffly vs DebtWise

PayOffly is your personal roadmap to becoming debt-free. Whether you're juggling credit cards, student loans, or personal debts — get the clarity, control, and strategy you need to pay them off faster. **Key Features:** Complete Debt Overview See all your debts in one place with detailed breakdowns, priority rankings, and a clear picture of where your money is going. Your Debt-Free Date Know exactly when you'll make your last payment — and watch that date get closer with every payment you log. Quick Payment Logging Log a payment in seconds. No complicated forms, no friction — just tap and you're done. Advanced Analytics Track your progress with intuitive charts, cash flow insights, and timelines that show how far you've come. Smart Payoff Strategies Choose the Snowball or Avalanche method. PayOffly builds the plan — you just follow it. Cloud Sync & Backup Your data is always safe and available across all your devices, automatically. Privacy & Security Your financial data stays private. Always. Fully Customizable Set your currency, language, appearance, and notification preferences to fit your life. Start your journey to financial freedom today. Your debt-free future is closer than you think.

DebtWise helps you build a realistic, personalized debt payoff plan — and actually stick to it. Most debt apps force you into Avalanche (highest interest first) or Snowball (smallest balance first). DebtWise gives you a third option: your own order. CUSTOM PAYOFF ORDER Drag your debts into any sequence that makes sense for your life. Pay off the family loan first. Tackle the one causing you the most stress. DebtWise recalculates your freedom date instantly every time you reorder — no re-entering data, no spreadsheet fiddling. AVALANCHE & SNOWBALL TOO Compare all three strategies side by side. See exactly how much interest each one saves and which gets you debt-free fastest. CASCADE EFFECT When a debt is paid off, its minimum payment automatically rolls into the next one — accelerating your payoff without any extra effort. TRACK YOUR PROGRESS Watch your freedom date get closer. Unlock milestones as you pay down each debt. See your total interest shrinking month by month. FREE TO START Track up to 2 debts completely free. Upgrade to Pro for unlimited debts, strategy comparison, milestones, and data export. COMPLETELY PRIVATE No account. No cloud sync. Your data lives only on your device. DEBTWISE PRO Unlock unlimited debts, strategy comparison, milestones, and data export. • Annual: $9.99/year (auto-renews) • Lifetime: $19.99 (one-time) Subscriptions auto-renew until cancelled. Manage in iOS Settings → Apple ID → Subscriptions. Terms of Use: https://sites.google.com/view/debtwise-terms-of-use/home Privacy Policy: https://sites.google.com/view/debtwise-privacy/home