DebtWise vs DebtDown

DebtWise helps you build a realistic, personalized debt payoff plan — and actually stick to it. Most debt apps force you into Avalanche (highest interest first) or Snowball (smallest balance first). DebtWise gives you a third option: your own order. CUSTOM PAYOFF ORDER Drag your debts into any sequence that makes sense for your life. Pay off the family loan first. Tackle the one causing you the most stress. DebtWise recalculates your freedom date instantly every time you reorder — no re-entering data, no spreadsheet fiddling. NEVER MISS A PAYMENT Get a local reminder 3 days and 1 day before each debt's due date. Tap "Mark as Paid" when you've paid — the app advances the due date and starts building your payment history. All reminders are scheduled on-device. No server, no account. AVALANCHE & SNOWBALL TOO Both classic strategies are built in. With Pro, compare them side by side: see exactly how much interest each one saves and which gets you debt-free fastest. CASCADE EFFECT When a debt is paid off, its minimum payment automatically rolls into the next one — accelerating your payoff without any extra effort. Included with Pro. TRACK YOUR PROGRESS Watch your freedom date get closer. Unlock milestones as you pay down each debt. See your total interest shrinking month by month. WORKS OFFLINE, IN 9 LANGUAGES Fully usable with no internet connection. Available in English, Spanish, French, German, Italian, Portuguese, Japanese, Korean, and Chinese. FREE TO START Track unlimited debts, free forever — reminders, milestones, and data export included. Upgrade to Pro for your own custom payoff order, cascade payments, side-by-side strategy comparison, the cash-flow-first strategy, and data import. Pro is a yearly plan or a one-time purchase. PRIVATE BY DESIGN No account. No cloud sync. No ads. Your debts live only on your device and leave it only if you export or share them. Anonymous usage stats (which features are used, when something breaks) never include your debts or anything that identifies you. Terms of Use: https://sites.google.com/view/debtwise-terms-of-use/home

Debtdown gives you a clear, actionable plan to pay off every debt you owe — credit cards, car loans, personal loans, and more. Add your debts, choose a payoff strategy, and Debtdown calculates exactly how long it will take and how much interest you'll pay. Watch your debt-free date get closer every time you make a payment. FEATURES - Snowball & Avalanche payoff strategies - See your exact debt-free date - Track interest costs across all debts - Balance, interest, and timeline charts - Payment reminders - Home screen widget - iCloud sync across your devices - Amortization schedules DEBTDOWN PRO (one-time purchase) - Unlimited debts - 5 additional payoff strategies - PDF export & shareable payoff cards - CSV import - Refinance simulator - Debt payoff challenges - Custom currency No subscription. No ads. Pay once, own it forever.