PayOffly vs Debt Payoff Tracker

Know your exact debt-free date and watch it get closer with every payment you log. PayOffly is your personal roadmap to becoming debt-free. Whether you're juggling credit cards, student loans, a mortgage, or personal debts, PayOffly brings them together in one clear plan, so you always know where your money goes and what to pay next. Pick a proven strategy, Snowball or Avalanche, and PayOffly builds the payoff plan for you. Log a payment in seconds and see your progress update right away, with a goal ring and per-debt progress that always agree. When you pay more than a debt's remaining balance, PayOffly tells you exactly how much wasn't applied, so your numbers stay accurate. What you get: • Complete debt overview: all your debts in one place, with detailed breakdowns and priority rankings • Your debt-free date: see when you'll make your last payment • Snowball and Avalanche payoff strategies with a plan built for you • Quick payment logging with no complicated forms • Debt-Free Goal card with a progress ring that matches each debt's progress • Analytics: charts, cash flow insights, and timelines that show how far you've come • iCloud backup and restore to keep your data safe • Your currency, shown with full currency names, and amounts formatted for your region • Language, appearance, and notification settings you can customize • Accessibility support, including larger text sizes and VoiceOver that announces your balance as money • Privacy-focused: your financial data stays private Start your plan today and take the first step toward your debt-free date. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Zero - Know Your Debt-Free Date. Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom. CHOOSE YOUR STRATEGY - Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound. - Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall. - Compare both side-by-side: see which strategy saves more in interest and time. - Switch strategies anytime without losing your data. UNDERSTAND WHERE EVERY DOLLAR GOES - See every balance you owe - credit cards, auto loans, personal debts, and more - Track monthly interest charges and total interest cost per debt - Watch your principal balance shrink with every repayment - Know how your income and expenses affect your debt payoff pace - What-If Calculator: how much do you save by adding $100 or $500 per month? WATCH YOUR PROGRESS - Total debt countdown with a live payoff date projection - Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero - Days-to-freedom countdown (Premium) - Full repayment history (Premium) AI DEBT COACH (PREMIUM) Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom. - "Should I switch from Snowball to Avalanche?" - "What if I repay an extra $300 this month?" - "How do I free up income to accelerate my payoff?" Powered by advanced AI. 30 questions per day. ZERO PRO FEATURES - Unlimited debts (free tier: up to 5) - Full repayment history - Interest vs. principal monthly breakdown - Payoff timeline visualization - Days-to-freedom countdown - AI Debt Coach (30 queries/day) - Export to CSV - Shareable progress cards - Custom app icons FREE TIER INCLUDES - Up to 5 debts tracked - Snowball and Avalanche strategies with side-by-side comparison - Payment logging with milestone celebrations - Payoff date projection - What-If Calculator Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/