OurPlan vs SettledBills

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/

Know what's due, and what covers it — before the day it's due. SettledBills never connects to your bank. You add your bills once — rent, phone, Netflix, the gym — and it quietly keeps track from there. Offline, private, and out of your way. WHAT YOU GET • This month, at a glance — every bill sorted by due date, account or category. One swipe marks it paid • Know what pays for what — tag each bill with the account or card it comes from, so you're never guessing • Payday view (optional) — see what's due before your next payday, and what can wait until after • One reminder that matters — a single daily notice listing what's due, timed to - the day it's due, a day before, or three days before, your choice • Your subscriptions, covered too — add Netflix, Spotify, or anything recurring; SettledBills recognizes the common ones automatically and totals what subscriptions cost you a year, right inside Insights, no separate subscription app needed • Home Screen widget — check what's still unpaid without opening the app • Fixed or variable — some bills are the same every month, some aren't; SettledBills handles both, and asks the real amount when you mark a variable one paid • Quiet insights — an honest look at what you spend monthly and yearly, by category and by account, with charts that don't need a legend to understand • Card on file — track services like Uber or food delivery where your card is saved but there's no scheduled bill to pay • Smart search — find any bill, category, or card by typing a few letters, all in the same place • Your data, your file, on every plan — export everything as CSV or a full backup, free or Pro, anytime; we don't hold your own data behind a paywall WHO IT'S FOR Anyone who's been caught by a bill they forgot was due, or moved money around and guessed wrong account its paid from. If you'd rather not hand your bank login to another app just to see what you owe, this is built for you. PRIVATE BY DEFAULT No sign-in. No server holding your bills. No ads. No tracking — not "we don't sell your data," but we never collect it in the first place. FREE, HONESTLY Your first 10 bills are free, forever — not a trial, not a countdown — and that covers most people outright. Need more? SettledBills Pro unlocks unlimited bills and can be shared with your family through Apple Family Sharing. Cancel anytime — you're never locked out, you just drop back to your free 10, forever. SUBSCRIPTION & PRICING TERMS SettledBills Pro is an auto-renewing subscription: USD$3.99/month or USD$39.99/year. Payment is charged to your Apple ID account at confirmation of purchase, and renews automatically within 24 hours of the end of each period unless cancelled at least 24 hours before renewal. Manage or cancel anytime in iPhone Settings → your name → Subscriptions. Prices may vary by region. Terms of Use: https://settledbills.com/terms Privacy Policy: https://settledbills.com/privacy Support: settledbills.support@icloud.com If SettledBills saves you one overdraft fee, it's already paid for itself.