PayOffly vs Defter

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/

**Defter** (Turkish for "notebook") keeps your financial life on one calm, beautiful page — and opens like one. **Free, forever:** • Track cards and accounts manually — balances, statements, due dates • Apple Card, Apple Cash & Savings sync, fully on-device • Best-card picker: know which card earns the most before you swipe • Custom reward rules + benefits — tiered earn rates, sign-up bonuses, and perks like companion fares, tracked toward their spend thresholds • Favorite, reorder, and sort your cards however you think about them • Statement cycles, payment-due calendar, and smart reminders • Cash flow, net worth history, monthly forecast, missed-rewards insights • Separate ledgers for personal and business — switch with a tap • An on-device AI assistant that answers questions about *your* numbers • Home-screen widgets, Live Activities, and Spotlight search **Defter Pro** adds direct bank connections, so balances and transactions stream in on their own: • Plus — 3 banks • Pro — 10 banks • Ultra — unlimited banks One connection covers every card at that bank. Everything else in Defter stays free — Pro only meters direct connections. **Private by design.** Your transactions live on your iPhone, not our servers. Bank connections are read-only, powered by Teller. Location is used only when you tap "Best card here" and is immediately discarded. No ads, no tracking, no selling data — ever. Subscriptions renew automatically until cancelled in App Store settings. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/