Easy Expenses Tracker 2 vs Paycheck Debt Planner

Take control of your finances with Easy Expense Tracker. Whether you're managing daily coffee runs or tracking monthly bills, this app makes it effortless to record every transaction, understand your spending habits, and stay within budget — all in a clean, intuitive interface designed for iPhone. TRACK EVERY TRANSACTION Add expenses and income in seconds. Pick a category, enter an amount, add a payee, write a note, and even attach a receipt photo. Your complete transaction history is always organized, searchable, and ready to review. Support for 100+ global currencies means the app works wherever you are. INSTANT FINANCIAL OVERVIEW The dashboard gives you a real-time snapshot of your finances. See your net balance, total income, and total expenses for any time period — this week, this month, this year, or a custom range. An interactive spending chart breaks down exactly where your money goes by category, so nothing gets lost. POWERFUL REPORTS The Reports tab turns your data into clarity: • Spending trends over time with a visual line chart • Income vs. expenses comparison for the last 6 months • Month-over-month spending comparison with percentage change • Full category breakdown with amounts and percentages • Behavioral insights: average daily spend, busiest day, and total transaction count BUDGET GOALS Assign monthly spending limits to any category. Color-coded progress bars update in real time — green when you're on track, orange when approaching the limit, red when over. Know your budget status at a glance before you spend. PREMIUM — UNLOCK THE FULL EXPERIENCE iCloud Sync Seamlessly sync all your data across iPhone, iPad, and Mac. Changes appear on every device automatically. Your data lives in your private iCloud — never shared, never sold. Unlimited Transactions The free plan supports up to 50 transactions. Premium removes all limits so you can track your complete financial history without interruption. Recurring Transactions Automate bills, rent, subscriptions, and salary. Set any frequency — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Transactions are created automatically on schedule, so you never miss an entry. AI Spending Insights On-device intelligence analyzes your transaction history and surfaces personalized insights — your top spending category, savings compared to last month, average daily spend, and actionable tips to help you spend smarter. AI Chat Assistant Ask questions about your finances in plain English. "How much did I spend on dining last month?" or "What are my biggest expenses this year?" Get instant answers pulled directly from your personal data, processed entirely on your device. Receipt Capture Snap a photo of any receipt and attach it directly to a transaction. Images are automatically compressed and stored with your records — perfect for expense reports or tax documentation. CSV & PDF Export Export your transaction history as a CSV spreadsheet or a formatted PDF report. Ideal for tax season, sharing with an accountant, or keeping your own records. Import Transactions Migrate from another app or import directly from your bank. Supports CSV and OFX (Open Financial Exchange) formats so your complete history comes with you. Spending Alerts Get notified before you go over budget. Set threshold alerts per category and receive a weekly digest summarizing your spending activity. PRIVATE & SECURE All data is stored locally on your device using Apple's SwiftData framework. iCloud Sync uses your own private CloudKit database — your financial information is never accessible to anyone else. Protect the app with Face ID, Touch ID, or passcode so only you can access your data. Premium features require a subscription. Cancel anytime in App Store Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy : https://www​.mobileinnov​.com​/​Privacy​Policy​.html

Payday shouldn't start with a spreadsheet. Enter your paycheck and your due dates, and Paycheck Debt Planner tells you exactly what to do this cycle: which bills are due, which debt gets the next attack, and how much cushion you'll have left. Then it turns the long grind to debt-free into something you can actually feel — streaks, milestones, and a history of every cycle you stayed on plan. Curious before you commit? Tap "Try with Sample Data" to explore a fully populated plan instantly — no accounts, no bank connections, no sign-up. **TRACK YOUR JOURNEY** Paying off debt is a marathon — this makes the progress visible every single paycheck: - **Milestones & Celebrations** — Cross 25%, 50%, 75%, or fully clear a debt and the app celebrates the moment. Free for everyone. - **On-Plan Streaks** — Stay on plan and your streak grows, cycle after cycle — the small win that keeps the big goal moving. Free. - **Pay Cycle History** *(Premium)* — Look back at your recent finished cycles and how far you've come. --- **WHAT YOU GET, FREE** - **Payday Autopilot** — On payday, confirm your whole plan — required bills, minimums, and extras — in one tap, or adjust any item. Bills on autopay handle themselves. Zero bookkeeping. - **Interest Saved** — See how much interest your extra payments save, and how much sooner you're debt-free, vs. paying minimums only. - **Paycheck Plan** — Required payments and recommended actions the moment your paycheck lands — what you must pay vs. what you should. - **Debt Payoff Engine** — Snowball or avalanche, your choice. Tracks your focus debt, projects your payoff date, and puts the extra to work. - **Timeline View** — Your full pay cycle with a running safe-cash balance, so you always see where the money goes. - **Goals** — Emergency fund and savings funded before snowball, so your safety net builds while debt shrinks. - **Swipe-to-Pay** — Mark anything paid with one swipe; swipe back to undo. - **App Lock** — Face ID, Touch ID, or passcode. Off by default, on whenever you want it. - **Local Reminders** — A paycheck-eve nudge and a heads-up before your earliest unpaid bill. Opt-in and quiet. Also free: autopay flags, Auto/Light/Dark themes, undo-on-delete, and full backup + CSV import. **PREMIUM — SMART FORECASTING** Free gets you a complete, accurate plan. Premium gets you a plan that thinks ahead: - **Smart Insights** — Adaptive recommendations based on your actual cash pressure, cushion, and payoff pace, every cycle. - **Strategy Comparison** — Snowball vs. avalanche, side-by-side, using your real balances and APRs — not a generic rule of thumb. - **What-If Simulation** — Model an extra monthly payment before committing. See the new debt-free date and exact interest saved. - **3-Month Forecast** — Projected cushion, debt balance, and risk level three cycles out. Spot pressure before it's a missed payment. - **Amortization Schedule** — A month-by-month payoff schedule for your focus debt: interest, principal, and balance to $0. - **Pay Cycle History** — Look back at your recent finished cycles, so progress is never out of sight. **Subscription Details** Premium Monthly is an auto-renewing subscription billed at $4.99/month through your Apple ID account. It renews automatically for the same price and duration unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings > [your name] > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ · Privacy Policy: https://jsnyde03.github.io/debt-planner-site/privacy.html **BUILT FOR PRIVACY** Everything stays on your device — no accounts, no cloud, no bank connections, no trackers. App Lock uses Apple's on-device Face ID/Touch ID — your biometric data never reaches us. Weekly, bi-weekly, semi-monthly, and monthly pay schedules all supported. *Paycheck Debt Planner provides budgeting and organizational tools only and does not provide financial advice.*