PayOffly vs Franklin

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/

Franklin is a personal finance tracker that runs entirely on your phone. No sign-up, no account, no cloud — your money stays your business. TRACK INCOME AND EXPENSES Logging a transaction takes seconds: amount, category, account, date, and a short note. Income, expenses, and transfers between accounts all live in one place. MULTIPLE ACCOUNTS Cash, checking, credit cards, savings — create as many accounts as you need. Each one gets its own color, icon, currency, and initial balance, and any account can be left out of your total balance. BUILT FOR MORE THAN ONE CURRENCY Keep accounts in different currencies and see every total in the one you actually think in. Transferring between currencies? Enter the amount received and the fee, and Franklin does the math. Choose from more than 150 currencies, with exchange rates refreshed in the background. CATEGORIES THAT FIT YOU Start with a ready-made set — groceries, restaurants, transport, housing, utilities, health, entertainment, salary, freelance, investments — then add your own with the icon and color you want. ANALYTICS Total balance, income and expenses for any period, a breakdown by category, and a side-by-side comparison with the period before. Tap any category to see exactly what went into it. FILTERS THAT ACTUALLY NARROW THINGS DOWN Pull up transactions by period, account, category, type, amount range, or the text of a note. YOUR DATA STAYS YOURS Export everything to a single file in one tap and restore it on a new phone just as easily. No hidden uploads: your accounts, transactions, and categories never leave your device. THE SMALL STUFF • Light and dark themes, plus system matching • 12 languages and regional variants • Set up in under a minute • No ads Franklin is for anyone who wants a budget under control without endless setup — whether you're splitting bills, saving for something big, or you just want to know where the paycheck went.