Spent vs Debt Payoff Tracker

Spent - Your Smart Subscription Manager Never lose track of your subscriptions again. Spent is the ultimate tool for managing recurring expenses and discovering savings opportunities. Try Spent Pro free — up to 7 days, no charge. After your free trial: $4.99/month or $39.99/year (billed annually). Cancel anytime in your App Store Account Settings. Spent Pro includes everything: • Unlimited Subscription Tracking — Add Netflix, Spotify, iCloud, and more • Daily Cost Calculator — See exactly what each subscription costs per day • Advanced Spending Analytics — Beautiful charts reveal your spending patterns • Smart Renewal Reminders — Get notified before every renewal date • AI Spending Optimization — Identify waste and find savings automatically • iCloud Sync — Access your data securely across all your devices • Data Export — Export to CSV or PDF anytime • Multi-Currency Support — USD, EUR, JPY, CNY, and more • Dark Mode — Easy on your eyes, day or night Why Spent? Most people spend $200–500/month on subscriptions without realizing it. Spent helps you: - Identify unused subscriptions you forgot about - Visualize your monthly and annual spending - Forecast future costs before they hit - Make informed decisions about every renewal - Save hundreds of dollars per year Privacy First: - All data stays on YOUR device - iCloud Sync uses your own private Apple account - No ads, no third-party tracking, no data collection - Export or delete your data at any time Perfect For: - Streaming services (Netflix, Spotify, YouTube Premium, Disney+) - SaaS tools (Adobe Creative Cloud, Microsoft 365, Notion) - Cloud storage (iCloud, Dropbox, Google One) - Gym memberships and fitness apps - Any recurring payment Download Spent today and take control of your subscriptions! Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Any unused portion of a free trial will be forfeited upon purchase of a subscription. Terms of Use: https://www.kanverse.app/spent/terms Privacy Policy: https://www.kanverse.app/spent/privacy

Zero - Know Your Debt-Free Date. Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom. CHOOSE YOUR STRATEGY - Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound. - Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall. - Compare both side-by-side: see which strategy saves more in interest and time. - Switch strategies anytime without losing your data. UNDERSTAND WHERE EVERY DOLLAR GOES - See every balance you owe - credit cards, auto loans, personal debts, and more - Track monthly interest charges and total interest cost per debt - Watch your principal balance shrink with every repayment - Know how your income and expenses affect your debt payoff pace - What-If Calculator: how much do you save by adding $100 or $500 per month? WATCH YOUR PROGRESS - Total debt countdown with a live payoff date projection - Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero - Days-to-freedom countdown (Premium) - Full repayment history (Premium) AI DEBT COACH (PREMIUM) Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom. - "Should I switch from Snowball to Avalanche?" - "What if I repay an extra $300 this month?" - "How do I free up income to accelerate my payoff?" Powered by advanced AI. 30 questions per day. ZERO PRO FEATURES - Unlimited debts (free tier: up to 5) - Full repayment history - Interest vs. principal monthly breakdown - Payoff timeline visualization - Days-to-freedom countdown - AI Debt Coach (30 queries/day) - Export to CSV - Shareable progress cards - Custom app icons FREE TIER INCLUDES - Up to 5 debts tracked - Snowball and Avalanche strategies with side-by-side comparison - Payment logging with milestone celebrations - Payoff date projection - What-If Calculator Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/