Divvy vs Debt Payoff Planner

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

Take control of your debt with Paydownly, a debt payoff planner and tracker that helps you compare payoff strategies, estimate your debt-free date, track payments, and visualize your progress toward $0. Add credit cards, student loans, car loans, personal loans, and other debts. Enter your balance, APR, and minimum payment, then compare Debt Snowball and Debt Avalanche projections to find a plan that fits your goals. HOW IT WORKS 1. Add your debts and payment details 2. Compare Snowball and Avalanche strategies 3. Review your estimated payoff timeline 4. Track payments and watch your balances decrease DEBT PAYOFF STRATEGIES • Debt Snowball, prioritize smaller balances first for quicker milestones • Debt Avalanche, prioritize higher-interest debts first to potentially reduce interest costs • Compare strategy projections side by side • See estimated payoff dates for each debt POWERFUL DEBT CALCULATORS • Extra Payment Calculator, estimate how additional payments may shorten your payoff timeline • What-If Sandbox, compare payoff scenarios side by side • Payment Needed, estimate the monthly payment needed to reach a target payoff date • One-Time Payment, see the potential impact of a lump-sum payment VISUAL PROGRESS Turn your debt payoff plan into progress you can see: • Animated progress ring toward $0 • Donut chart showing your debt breakdown • Balance-over-time charts for individual debts • Interest vs. principal visualization • Strategy comparison charts TRACK EVERY PAYMENT • Log payments with an estimated principal/interest split • Review payment history for each debt • Edit, delete, or undo payment entries • Track payment streaks for motivation • Set reminders to help you remember payment dates FREE FEATURES Track up to 3 debts for free with access to: • Debt Snowball and Avalanche strategies • Payoff projections • Strategy comparison • All calculators and what-if tools • Charts and visualizations • Payment logging and history • Reminders and streaks • CSV and JSON export PAYDOWNLY PREMIUM Upgrade to Paydownly Premium to unlock unlimited debts and view your complete multi-debt payoff strategy. Optional auto-renewable subscription plans are available through the App Store. The applicable price and billing period are shown before purchase. Subscriptions renew automatically unless canceled. You can manage or cancel your subscription through your Apple Account subscription settings. PRIVACY FIRST Your debt information is stored locally on your device. Paydownly does not require an account and does not use advertising or third-party tracking. If you enable iCloud sync, your data may also be securely stored in your private iCloud account and synced across supported Apple devices. No account creation. No ads. No selling your debt data. IMPORTANT Paydownly is a financial planning and educational tool. It does not provide financial, investment, tax, credit, or legal advice. Payoff dates, interest amounts, principal/interest allocations, savings estimates, and other projections are estimates based on the information you enter and may differ from actual lender calculations, fees, interest methods, payment timing, or account activity. Privacy Policy: https://anjumafshan.online/dpp-ios-privacy-policy.html Terms of Service: https://anjumafshan.online/dpp-ios-terms-of-service.html