Divvy vs Debt Descent

Feeling overwhelmed by multiple bills and creditors? Divvy helps you take control. When you owe money to several creditors, deciding who to pay and how much can be stressful. Divvy simplifies this by helping you organize your creditors, prioritize your payments, and allocate your available funds smartly — so you can pay down debt one step at a time. HOW IT WORKS 1. Add your creditors and their outstanding bills 2. Organize creditors into priority bands (e.g., "Critical", "Important", "When I Can") 3. Enter how much you have available to pay 4. Divvy calculates how to split it based on your priorities 5. Adjust if needed, confirm payments, and optionally notify your creditors It's that simple. KEY FEATURES • Smart Allocation Enter your available funds and Divvy automatically divides them between creditors based on your priority bands. Higher priority bands get paid first. • Priority Bands Create custom bands to organize creditors by importance. Set percentage allocations for each band to control how your money is distributed. • Payment Tracking Track every payment you make. See your progress with visual indicators showing how much you've paid off for each creditor. • Email Notifications Send professional payment notification emails to your creditors with one tap. Emails include a summary of your account, payment amount, and remaining balance. • Customizable Email Templates Personalize the emails sent to each creditor. Use templates with placeholders that automatically fill in payment details. • Bill Management Add and track individual bills for each creditor. Set due dates and watch as payments are automatically applied to outstanding bills. • iCloud Sync Your data syncs seamlessly across all your devices via iCloud. Start on your iPhone, continue on your iPad. DIVVY PRO The free version includes up to 3 creditors and 2 priority bands — perfect for getting started. Upgrade to Divvy Pro for: • Unlimited creditors • Unlimited priority bands • Support ongoing development Pro is a one-time purchase. No subscriptions, no recurring fees. PRIVACY FIRST Your financial data stays yours. All information is stored locally on your device and in your personal iCloud account. We never see your creditor details, payment amounts, or personal information. PERFECT FOR • Anyone paying off multiple debts • People on payment plans with creditors • Those who want to organize and prioritize bills • Anyone who needs help deciding where their money should go GET STARTED Download Divvy today and start taking control of your debt. Add your creditors, set your priorities, and let Divvy guide you through paying it down — one step at a time. Questions or feedback? Contact us at divvy@oneway.co.nz

Debt Descent shows you exactly when you'll be debt-free. Enter your real balances and APRs, and it lays out your payoff plans side by side so you can see which one gets you there faster and cheaper. I built it while paying down my own debt, and the features are the ones I needed myself. Add your debts and the extra you can pay each month, and Debt Descent runs both standard methods at once: - Snowball: pay off the smallest balance first for quick wins - Avalanche: pay off the highest APR first to save the most interest You get real numbers: - Your debt-free date and payoff time for each method - Pick a debt-free date and see the extra it takes - Total interest, total paid, and what each method saves, side by side - A "descent to zero" chart that plots every balance falling to zero - What's left over: add your take-home pay (or read it from a paystub) and the bills outside the plan, and see what's really left each week, month, and year It also handles the parts of real life that get in the way of a plan: - Windfalls: add a future bonus or tax refund and watch your payoff date move up - Pay weekly, every two weeks or twice a month: each debt follows its own payment schedule - Paydays and bills: see which paycheck covers each payment and bill, and whether what's in the bank covers what's due before the next one - Autopay: debts and bills on autopay log themselves - Skip or defer a month's payment, and see what it costs before you do - Save up for a purchase, and see what charging it would cost instead - Refinance and consolidation: model a balance transfer, a loan, or new rates per account, then apply the deal in one step - Payment groups: log one monthly payment that covers several debts and it splits to the cent - Promo and deferred-interest tracking, with a notification before a 0% intro APR ends - Per-debt amortization schedules and "Test a payoff" what-ifs - Payment logging that shows whether you're ahead of the plan or behind - Due-date notifications you can log a payment from, a payday notification, and calendar (.ics) export - Siri, Shortcuts, Spotlight and widgets: ask when you'll be debt-free, or log a payment by voice or from the medium widget - A "Track only" option for balances you want to watch outside the plan - Built for accessibility: Dynamic Type up to the largest sizes, and VoiceOver reads each field and row by name Adding a card takes seconds: - Scan a paper statement with the camera or open a statement PDF, and Debt Descent reads the balance, APR, any intro rate, minimum, and due date for you - Or import and export your whole plan as JSON or PDF Sync and privacy: - iCloud sync keeps your debts, payments, and plan up to date across iPhone, iPad, and Mac. It's automatic and free. - There's no account, no sign-up, and no server on my end. Your data lives on your device and in your own private iCloud, where I can't see it. - There's no bank linking. You type your balances or point the camera at a statement, and nothing connects to your accounts. - Statements are read on your device. Nothing is uploaded. - Lock the app with Face ID, hide your numbers on a shared screen, and get a weekly backup in your iCloud Drive. Debt Descent is free to use: add your debts, run Snowball and Avalanche, see your debt-free date, track payments and progress, pay on your own schedule, track bills by paycheck, put debts on autopay, skip or defer a payment, see what's left over after debt and bills, share your progress card, read a statement on your device, and export your payments as a CSV. A one-time Pro upgrade ($14.99, unlocks on all your devices and, with Family Sharing, your family's; no subscription) adds five more payoff methods including a custom order you set yourself, the what-if slider and per-debt payoff tests, picking your debt-free date, windfalls, refinance modeling, amortization schedules, PDF and calendar export, and due-date, payday and promo notifications.