Free Spend vs Payoff Formula

You know how much you make. You know how much you save. But do you know how much you've actually spent? Free Spend puts one number on your home screen: your running spending total. No budgets to set up. No bank accounts to connect. No categories to configure. Just open the app, log what you spent, and see your total — right from your home screen widget. Built for people who already have their finances figured out but need one simple thing: a clear, running view of what's going out the door. Your spending total, always visible. Add the widget to your home screen and see your total at a glance. Log a purchase in seconds. Add money when you get paid. That's it. Why Free Spend exists: No more jumping between bank apps, adding up balances in your head just to know what you've spent. Free Spend puts it all in one place. Log each purchase yourself, and feel the weight of each purchase. Free Spend gives you that number. One place. One glance. No setup. No friction. Just your number. Home screen widget with your running total Log purchases and add funds in seconds Manual logging means you feel every purchase and think twice about the next one No account required — no sign-ups, no bank connections Whether you use it as a daily spending tracker, a monthly running total, or just a way to stay honest with yourself about what's going out — Free Spend keeps it simple.

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.