PayOffly vs TillNext

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/

TillNext: Paycheck Planner is a simple paycheck planning app for people who want to know what is coming in, what needs to go out, and what is left before the next payday. Set up recurring income, recurring bills, and one-time expenses. TillNext turns those details into a practical month view so you can keep track of upcoming items, mark bills as pending or paid, review previous occurrences of recurring items, and see how the month changes as real life happens. Home starts with safe cash to spend, a Can I buy this? check, and cashflow totals to compare against your bank. Month bank balances are explicit, so a new month starts clean unless you enter or match the bank balance for that month. Card tools live in their own optional tab, and Month shows the rest of the selected month day by day. The Recurring tab also lets you move between months, so future-starting recurring bills can be reviewed before they affect the current month. Recurring expense rows show the selected month's occurrence days beside their cadence, and entry editors keep amount, name, dates, frequency, and end dates clear and easy to adjust. Home Screen widgets keep the Till Next amount visible outside the app. Small and medium widgets include quick-add buttons for one-time income and expenses, and the large widget shows the next few Home items. TillNext is local-first and intentionally simple. There is no account to create, no external connectors, no Google integrations, no ads, and no analytics tracking. Your planning details stay on your device unless you choose to export them. Features: - Monthly paycheck and expense planning - Recurring income and recurring bill schedules - Month-aware recurring schedule editing - Recurring expense occurrence days in the selected month - Past occurrence history for recurring items - Explicit month bank balance matching without pulling prior-month leftovers forward automatically - Centered amount entry and clearer tappable date controls - One-time income and expense entries - Safe cash, card payback, and rest-of-month cashflow checks - Small, medium, and large Home Screen widgets - Widget quick-add buttons for one-time income and expenses - Pending, paid, skipped, and received status tracking - CSV export from Settings, including Home cash, card payback, and day-by-day cash detail rows - Local reset from Settings - 30-day full-editing trial - One-time lifetime unlock through the App Store TillNext is for personal planning only. It is not financial, tax, legal, investment, credit, or banking advice. Always review your real accounts before making spending or payment decisions.