Onus vs Impulse Buy Timer

Every dollar you spend while in debt costs more than a dollar. Onus shows you exactly how much. BEFORE YOU BUY Enter a purchase amount and instantly see its true cost. That $200 impulse buy? It might really cost you $300+ when you factor in the interest you'd save by putting that money toward your debt instead. HONEST MATH Onus runs a real month-by-month simulation of your debts. It calculates minimum payments, tracks interest accrual, and shows exactly how much each purchase delays your debt-free date. MULTIPLE DEBTS, ONE VIEW Add all your debts - credit cards, car loans, student loans. Onus considers them all when calculating the true cost of your purchases. THREE PAYOFF STRATEGIES • Avalanche: Target highest interest first (saves the most money) • Snowball: Target smallest balance first (quick wins) • Manual: Set your own priority order PRIVACY FIRST All your data stays on your device. No accounts, no cloud sync, no data collection. Just you and your debt reality check. Onus (Latin for "burden") - because debt is a weight that grows with every purchase.

Pausd puts a cooldown timer on every impulse buy. Log what you want, set a timer, and decide later with a clear head. Most impulse urges fade within 24 hours. Pausd gives you that breathing room. HOW IT WORKS Want something? Log it with a price and a cooldown (24h, 48h, 72h, or 7 days). The timer runs. When it expires, you decide: pass on it, buy it, or wait longer. Every time you pass, the money you kept gets added to your total. IMPORT FROM ANYWHERE Copy a product link from Safari, Amazon, or any store. Pausd grabs the product name, price, and photo automatically. TRACK YOUR PATTERNS See which categories tempt you most, what time of day you impulse buy, and what triggers your spending. Pausd learns your habits and helps you break them. ACHIEVEMENTS AND STREAKS Earn badges for passing on purchases. Build a pass streak. Watch your "Kept" number grow. Share your graveyard of things you didn't buy. MONTHLY SPENDING AUTOPSY Get a monthly report showing your pass rate, regret rate on things you bought, which cooldown duration works best for you, and your peak impulse times. SET A BUDGET Set a monthly impulse budget and track your spending against it. See when you're getting close. THE GRAVEYARD Everything you passed on lives here. With photos. The total at the bottom is the money that stayed in your pocket. Share it. URGE SURFING Feeling tempted right now? The 90-second breathing exercise helps the urge pass without buying. SIRI AND SHORTCUTS "Hey Siri, pause a purchase on Pausd." Works with Shortcuts and the Action Button. Pausd costs less than one of the things you'll pass on. Terms of Use: https://pausdapp.com/terms Privacy Policy: https://pausdapp.com/privacy