CD Tracker vs PaidDown
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
CD Tracker
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Know what your CDs will pay you, and when. CD Tracker keeps all your certificates of deposit in one place, across banks, currencies and owners. See the interest coming each month, coupon dates that match your bank, what matures next, and your totals in US dollars. DASHBOARD β’ Totals invested, monthly and yearly interest, and average yield β’ A 12-month chart of the interest you'll receive and the principal maturing each month β’ Maturities coming up in the next 30 days, and CDs that need your attention COUPONS THAT MATCH YOUR BANK β’ Coupons paid on the start date or on a fixed day of the month, like the 30th β’ Pro-rated first and last coupons β’ Simple or compound interest; compound coupons grow as interest is added to the principal β’ Monthly, quarterly, semiannual, annual or at-maturity payouts β’ Mark coupons as received, edit any amount, and see a report for any date range EVERY DETAIL OF EVERY CD β’ Interest earned to date, total interest over the term and days left β’ Owner, tax treatment and withholding, document number and notes β’ Renew a matured CD in one step, optionally adding the interest to the principal MULTI-CURRENCY β’ Hold CDs in any currency β’ Totals by currency plus a combined USD view with up-to-date exchange rates REMINDERS, SYNC AND BACKUP β’ Maturity reminders 30, 14, 7 and 1 day before, and on the day β’ iCloud sync across your iPhone and iPad, through your own private iCloud account, with a live sync status β’ Export and restore backups from the Files app PRIVATE BY DESIGN β’ No account or login β’ No ads, analytics or tracking β’ Your data stays on your device and in your own iCloud account; we never see it CD TRACKER PRO A one-time purchase, with no subscription: β’ Unlimited CDs (the free version tracks up to 5 active CDs; redeemed CDs don't count, so renewing never uses a slot) β’ Widgets for your Home Screen and Lock Screen: this month's interest, upcoming coupons and your next maturity, with an option to hide amounts β’ Coupon reminders on the day each coupon is expected, with "Mark as Received" right from the notification β’ App Lock with Face ID, Touch ID or your passcode Pro is available with Family Sharing. Questions or feedback? Visit https://josesiman.com/CDTracker/support.html
PaidDown
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PaidDown helps you build a clear plan to pay off debt with more confidence. Track balances, organize what you owe, and follow a payoff plan that works with your budget. With support for widgets and Siri, your plan is always close at hand. Appleβs App Intents framework is what enables app actions to surface through Siri, Shortcuts, and widgets. With PaidDown, you can: β’ Add and organize your debts in one place β’ Build a payoff plan based on your monthly budget β’ Track balances and progress over time β’ Use widgets to keep your debt payoff progress visible throughout the day β’ Use Siri to quickly interact with PaidDown using voice β’ Stay focused with a simple, practical experience β’ See your path forward, one payment at a time Made for real life PaidDown is designed to make debt payoff easier to understand and easier to stick with. No gimmicks. Just practical tools to help you stay consistent, whether you open the app, check a widget, or use Siri on the go. Apple documents these integrations under App Intents, which powers experiences across Siri and widgets. Important PaidDown is a planning and tracking tool. It does not provide financial, legal, or tax advice, and it does not process debt payments. If you have questions or need help, reach us anytime at our support email: support@paiddown.app Privacy policy: https://theappshop.io/privacy Terms of service: https://theappshop.io/terms
Screenshots
Verdict
CD Tracker and PaidDown are too close to call on the numbers: across 5 compared parameters β price, ads, in-app purchases and device support among them β neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
| Parameter | CD Tracker | PaidDown |
|---|---|---|
| Price | Free | Free |
| Update frequency | Daily | β |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.0 | 17.0 β better |
| Further details β not scored | ||
| Size | 2 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Jose Siman | The App Shop, Inc. |
In-app purchases
CD Tracker
No in-app purchases
PaidDown
No in-app purchases
Questions
Is CD Tracker free?
Is PaidDown free?
Do CD Tracker or PaidDown have ads?
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