Debt Payoff Tracker vs SteadyStep

DebtFree is a private debt payoff planner for iPhone. It helps you organize credit cards, personal loans, student loans, auto loans, medical bills and mortgages, then turns those balances into a clear plan built from your numbers. TURN DEBT INTO A DATE • Compare the Debt Snowball, Debt Avalanche and your own custom payoff order • See an estimated debt-free date, projected interest and what to pay next • Follow a month-by-month table showing payments, principal, interest and balance • Record regular, extra, partial, principal-only and lump-sum payments • Test an extra payment before changing your active plan WHEN REAL LIFE CHANGES THE PLAN Debt payoff rarely follows a perfect spreadsheet. Plan around paydays, essential commitments and a safety buffer. Schedule recurring extras, one-time income, reduced-payment months or a temporary return to minimum payments. DebtFree previews how a change may affect your date and estimated interest before you apply it. ARE YOU STILL ON TRACK? Compare the projected balance with your latest statement. If interest, fees or timing changed the result, DebtFree records a transparent adjustment and rebuilds the future plan without erasing payment history. Calculation explanations show the information and assumptions behind each projection. PRIVATE BY DESIGN No bank connection or DebtFree account is required. Core financial data stays on your device by default. No third-party ads or tracking. Optional manual iCloud backup and restore is available without Premium; this is not continuous sync. READY FOR iOS 27 Built with the iOS 27 SDK for the latest iPhone experience, including native navigation, privacy-first Siri Shortcuts, configurable widgets and on-device intelligence on supported devices. DebtFree continues to support iOS 17.0 and later. FREE & PREMIUM New free users can track up to 3 active debts, record payments and use essential payoff planning and basic Debt Coach explanations. Paid-off debts keep their history without using a slot. Premium adds unlimited debts, adaptive planning, saved scenarios, advanced analytics, custom ordering, assisted statement/CSV entry, exports and widgets. Existing users keep their grandfathered allowance. Eligible monthly and annual plans may include a 3-day free trial. Any available trial, local price and billing period are shown before purchase. Payment is charged to your Apple ID. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and can be managed in Apple ID settings. DebtFree provides estimates and educational information based on the details you enter. It does not provide financial, legal, tax, credit-repair, lending or debt-settlement advice. Support: https://debtpayofftracker.app/support/ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://debtpayofftracker.app/privacy/

SteadyStep helps you organize debts, expenses and repayments in one calm, private workspace. Enter your own information, understand your monthly cash flow and follow a clear repayment plan without judgment or pressure. PLAN WITH DETERMINISTIC CALCULATIONS - Record debts, required payments, interest rates and expenses. - Choose whether essential expenses come from a monthly estimate or your itemized records. - Compare interest-first and small-balance-first repayment strategies. - Preview extra monthly payments for free, compare projected payoff timing and interest, and explicitly save your chosen amount. - Review estimated payoff timing, interest and monthly milestones. - See a twelve-month repayment schedule based on the information you entered. TRACK WHAT ACTUALLY HAPPENED - Record real repayments by date and debt. - Keep payment history separate from projected payments. - Update a balance only when you provide a statement balance. - Follow monthly progress using recorded payments rather than a simple completion switch. OPTIONAL COMPLETE REPORTS Preview personalized takeaways for free, then unlock a complete educational report when you want a deeper explanation of your current plan. Reports combine SteadyStep's deterministic calculations with calm explanatory text, practical actions, risk reminders and assumptions. Complete reports are generated on your device, remain available in your private report history and can be exported as a PDF. A single-report purchase unlocks one complete report. An active monthly or annual subscription provides unlimited on-device report refreshes plus report comparison and ongoing progress summaries. Prices shown in the app come directly from the App Store for your storefront. PRIVACY BY DESIGN Free planning does not require a SteadyStep account. Sign in with Apple is used only for purchases, restoring paid access and unlocking complete reports. Your debt names, balances, rates, income, plan and completed reports remain in the app's private device and iCloud storage. Report entitlement confirmation never includes financial values or your financial snapshot. SteadyStep provides planning and educational information only. It is not a lender, debt-relief service, credit-repair service, financial adviser or legal adviser. Estimates depend on the information you enter and may differ from lender statements or actual results.