Income Target vs Payoff Formula

Income Target – Save Smarter. Reach Your Goals. Income Target is a simple and powerful finance app that helps you build better saving habits and understand your spending. Whether you're planning to buy a new phone, car, or anything meaningful, the app breaks your goal into daily saving tasks—making your progress easy to follow and achieve. Stay motivated, track expenses, and watch your financial growth with clean design and effortless tools. FEATURES Create Custom Savings Goals Set a target amount and choose how much you want to save per day. The app shows your remaining days, missed days, progress percentage, and total amount saved so you always know where you stand. Daily Savings Tracker Mark each day as "done" or “missed,” track streaks, and see how your daily habit impacts your overall goal. Calendar View View your savings history in a monthly calendar to understand patterns, missed days, and overall consistency. Expense Tracking Made Easy Log your expenses, categorize them, and keep everything organized. Track how much you spend each month with a clean and intuitive layout. Smart Analytics See your total spending, remaining budget, category breakdown, and overall financial status—all visualized with beautiful charts. Transaction History Add, edit, and review all your expenses in one place. Quickly see what you spent and where. Home Screen Widget Check your savings goal progress instantly without opening the app. Perfect for daily motivation and quick updates. Modern, Clean UI Built with SwiftUI, every screen is designed to be fast, simple, and visually satisfying. Private & Secure Your data stays on your device. Nothing is stored on external servers.

Payoff Formula helps you build a clear plan to pay off your credit card debt. Enter your balance, credit limit, interest rate, and how long you want to pay it off. The app calculates your monthly payment using a utilization-based formula and shows you a complete month-by-month schedule. No guessing. No hidden math. Every step of the formula is shown so you understand exactly what you're paying and why. Features: Step-by-step math breakdown of your payoff plan Month-by-month payment schedule with utilization tracking Color-coded utilization zones (red, yellow, green) Add multiple credit cards and compare plans Summary with highest payment, lowest payment, and total cost All data stored locally on your device No login, no ads, no tracking, completely free Built by DevAppStudios.