OurPlan vs PayDown

Getting out of debt is hard enough. Doing it as a couple should not require guessing who paid what, arguing over priorities, or handing over your bank credentials. OurPlan helps couples turn each paycheck into a shared financial recovery plan. It does not import transactions or move money. Instead, it helps you decide what should happen next, carry out the plan, and confirm what actually happened. PUT REQUIRED PAYMENTS FIRST Add credit cards, loans, and other debts with their balances, APRs, minimums, and due days. Debt minimums become protected Essentials in the payday plan before savings and flexible spending. If income is short, Debt Rescue Mode shows what the entered paycheck can cover and where the shortfall remains. KEEP THE PAYDAY PROMISE Assign the paycheck across bills, debt, savings, and spending buckets. Assignment means planned—not paid. After you make a payment or transfer, confirm the actual amount so both partners can see what is still open. KNOW WHETHER YOU ARE ON TRACK OurPlan distinguishes money that was assigned from actions that were confirmed. Money Meetings surface unfunded commitments, unconfirmed debt payments, stale agreements, and the next move to make together. PLAN DEBT WITHOUT BLAME Compare estimated debt avalanche and debt snowball timelines, document ownership and fair contributions, and answer difficult planning questions privately before revealing both choices. FREE CORE Create a shared plan, invite your partner or spouse, protect debt minimums, assign paychecks, use Debt Rescue Mode, keep Payday Promises, and run guided Money Meetings. OURPLAN PRO Unlock Debt Payoff Forecasts, Couple Debt Agreements, Shared Debt Progress, Private-Then-Reveal Planning, Partner Balance, What-If scenarios, insights, unlimited buckets and goals, recurring items, full meeting history, premium widgets, and CSV export. WHY NO BANK LINKING? Bank feeds explain past transactions. OurPlan focuses on the decisions and follow-through that determine what happens next. You confirm lender balances and completed payments yourself, so progress is based on information you entered—not an unsupported claim that a payment cleared. IMPORTANT Payoff forecasts are estimates based on the balances, rates, payments, and timing you enter. OurPlan does not guarantee payoff dates, move money, verify lender activity, or replace financial, legal, tax, or credit advice. Annual Pro is $49.99/year with a 14-day free trial for eligible new subscribers. Monthly Pro is $9.99/month. Purchases restore on devices signed in with the same Apple ID. Your household plan is encrypted before syncing through CloudKit. There are no bank credentials or third-party ad tracking. Privacy Policy: https://getourplan.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Every payment. One schedule. A date you'll be done. PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free. PASTE OR SPEAK Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever. ONE SCHEDULE Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it. YOUR DEBT-FREE DATE A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month. PAY IT OFF FASTER Avalanche vs. snowball, compared in actual dollars of interest saved. SAFE TO SPEND See what's actually yours between now and payday, after everything due clears. CAN I AFFORD IT? Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date. HOME SCREEN WIDGET Your next payment and debt-free date, on your home screen. PRIVATE BY DESIGN Your data lives on your phone. No bank credentials, no required account, no ads, no selling data.