PayPriority vs LAYA Finance

Take control of your debt and see exactly when you'll be debt-free. PayPriority creates a personalized payoff plan, shows you what to pay each day, and helps you save thousands in interest. FREE TO START - Track your first 3 debts completely free. Upgrade to Premium for unlimited debts. SEE YOUR EXACT DEBT-FREE DATE No more guessing. PayPriority calculates exactly when you'll be debt-free based on your budget, debts, and chosen strategy. Watch your debt-free date get closer with every payment. SAVE THOUSANDS IN INTEREST Choose between the Avalanche method (highest interest first) or Snowball method (smallest balance first). See exactly how much interest you're saving compared to making minimum payments. Most users save over $3,000. NEVER MISS A PAYMENT Get daily recommendations showing exactly what to pay and when. PayPriority prioritizes your debts, checks your available cash, and warns you about upcoming due dates. No more late fees or penalties. CHOOSE YOUR STRATEGY - Avalanche: Pay off highest interest debts first (saves the most money) - Snowball: Pay off smallest debts first (builds motivation with quick wins) - Custom: Set your own priority order HOME SCREEN WIDGETS Stay motivated with beautiful widgets showing your debt payoff progress, total debt remaining, next payment due, and days until debt-free. TRACK YOUR PROGRESS - See how much you've paid off with visual progress rings - Record payments with automatic interest calculations - View detailed payment breakdowns (principal vs. interest) - Track payment history for every debt MANAGE ALL YOUR DEBTS Track everything in one place: credit cards, student loans, auto loans, personal loans, medical bills, and any debt with interest. YOUR DATA IS PRIVATE Everything is stored locally on your device. No account required. No data sharing. No ads. FREE VS PREMIUM FREE TIER: - Track 1 debt - All calculation features - Home screen widgets - Payment tracking - No time limit PREMIUM: - Unlimited debts - Track credit cards, loans, and bills - Optimize your complete debt portfolio - Advanced analytics - Everything in Free tier HOW IT WORKS 1. Add Your Debts: Enter your credit cards, loans, or any debt with interest 2. Set Your Budget: Tell us how much you can pay toward debt each month 3. Choose Your Strategy: Avalanche (save more) or Snowball (quick wins) 4. Follow Your Plan: We tell you what to pay each day 5. Become Debt-Free: Watch your progress and celebrate milestones PERFECT FOR - Credit card debt payoff - Student loan management - Multiple debt coordination - Budget-conscious families - Anyone tired of feeling overwhelmed by debt SUBSCRIPTION INFORMATION PayPriority offers optional Premium subscriptions: Monthly (billed monthly, cancel anytime), Annual (best value, billed yearly), and Lifetime (one-time purchase, pay once and use forever). Payment will be charged to your iTunes account at confirmation of purchase. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage your subscriptions and turn off auto-renewal in your Account Settings after purchase. Privacy Policy: https://paypriority.app/privacy/ Terms of Use: https://paypriority.app/terms/ Start your debt-free journey today. Download PayPriority now.

Know where every peso went—without logging everything by hand. LAYA is a Filipino expense and budget tracker for the way money actually moves: cash, GCash, Maya, bank accounts, cards, bills, savings goals, padala, utang, and more. BRING TRANSACTIONS IN FASTER Share bank alert or SMS text, copied receipt text, or a screenshot into LAYA. You can also use voice, widgets, Apple Watch, or quick add for cash spending and anything that does not send an alert. LAYA does not silently read your notification or message history. You choose what to share. CHECK BEFORE YOUR BALANCE CHANGES If LAYA is not sure which account or category a transaction belongs to, it waits in Review Inbox. You confirm the details before it changes your balance or reports. When the same alert or import comes in again, LAYA updates the existing entry instead of adding a second one. SEE ALL YOUR MONEY TOGETHER Keep cash, e-wallets, banks, cards, savings, loans, investments, and other accounts in one clear view. Search your transaction history, record transfers, and follow recurring activity without rebuilding a spreadsheet. PLAN PAYDAY, BILLS, AND GOALS Create category budgets, schedule recurring bills, and set savings goals with amounts and deadlines. See what is left after planned spending and adjust before the month gets away from you. The Subscription Calendar puts every due date in one place: subscriptions, bills, loans, card statements, and money you owe, with what is left to pay this month. Recurring bills can record themselves on their due date, or you can turn that off for any bill. SET UP WITH JULS, SAVE WITH FRIENDS Juls walks you through setup one question at a time. Invite friends with a link or QR code to see each other's level, badges and streak, and save toward shared goals together. Friends see your progress, never your balances, accounts or transactions. Report or block anyone, any time. TRACK MONEY OWED AND FAMILY OBLIGATIONS Keep personal loans, utang, installment payments, family support, and padala visible alongside the rest of your finances. UNDERSTAND WHAT CHANGED Use spending trends, category breakdowns, recurring-charge visibility, and financial summaries to make a useful weekly review. On devices with Apple Intelligence, Juls, LAYA's assistant, answers questions about your own spending and bills on your device and can read a screenshot of your subscriptions or a card statement into bills for you to review (reading screenshots needs iOS 27). Without Apple Intelligence, Juls Lite answers from your numbers. With Pro, you can turn on LAYA AI, which runs on Claude by Anthropic, for longer answers, records you confirm before they save, and charts and reports, on any iPhone. You see exactly what is sent before you turn it on. CONNECTED IMPORTS WHEN YOU WANT THEM Connect Wise with a personal API token, or PayPal with your own developer credentials, to import transactions in their original currency. Manual and share-based tracking remain available without connecting a financial account. PRIVATE BY DEFAULT Your LAYA data syncs through your private iCloud account across supported Apple devices. Raw receipt and alert content stays on your device unless you explicitly connect an external provider. LAYA works across iPhone, iPad, Mac, and Apple Watch. FOUNDING MEMBERS Download LAYA before November 1, 2026 and Pro is free for life: no subscription, nothing to cancel, and the most LAYA AI use of any plan. Download from November 1 to December 25, 2026 and Pro, including LAYA AI, is free for 12 months. People who already use LAYA count from the day they first downloaded it. Free to download. The free plan includes 10 accounts, 5 budgets and 5 goals. Optional Pro is available through in-app purchase. Privacy Policy: https://www.laya.finance/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/