PayOffly vs ShiftPay

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/

ShiftPay is a private shift calendar and gross-pay estimator for hourly workers. Record your schedule, understand how each total was calculated, and compare your estimate with the pay stub you received. PLAN SHIFTS YOUR WAY • Add shifts in seconds • Reuse templates or paint shifts across multiple days • Build repeating rotations such as 2-2-3, Pitman, DuPont, or custom cycles • Import a posted schedule from a photo with on-device text recognition • View upcoming work in Home Screen, Lock Screen, and Apple Watch widgets ESTIMATE EXPECTED GROSS PAY • Track regular hours, unpaid breaks, tips, differentials, and overtime • See a transparent line-by-line calculation • Use U.S. federal and state overtime presets, or build custom rules for your own country • Review monthly, quarterly, and year-to-date earnings COMPARE PAYCHECKS Enter or scan a pay stub and compare it with ShiftPay’s saved estimate. ShiftPay helps you spot differences worth reviewing without claiming to provide payroll, tax, or legal advice. PRIVATE BY DEFAULT No ShiftPay account is required. Schedule and pay information stays on your device. Schedule photos are processed on-device. Optional private iCloud sync stores a copy in your private CloudKit database. Optional analytics and crash reporting remain off until you enable them. FREE AND PRO The calendar, unlimited shifts, templates, rotations, paint mode, pay estimates, CSV export, and one schedule import are free. ShiftPay Pro adds multiple jobs, supported state overtime presets, unlimited schedule scans, saved paycheck comparisons, long-range statistics, calendar and PDF export, and private iCloud sync. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. A lifetime purchase is also available. Prices and trial eligibility are shown by the App Store. Important: ShiftPay provides estimates based on information you enter. Your employer and official pay statement remain authoritative. The app interface is currently available in English. Terms: https://shiftpay-ff58e.web.app/terms Privacy: https://shiftpay-ff58e.web.app/privacy Support: https://shiftpay-ff58e.web.app/support