Debt Payoff Tracker vs 旺财

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/

拍一张借据，旺财帮你把账算明白。 旺财记账是一款完全本地化的 AI 资产与债务管家。 负债不用 Excel，不用记账 App 手动敲——扫一扫借据截图。 AI 自动提取本金、利率、期数，生成清晰的分期还款计划。 每个月该还多少、先还哪个最省钱，一目了然。 日常开销、还款、收入、支出等现金流水清晰呈现。 === 核心功能 === 【快捷记账】 基础功能不用说，快捷方便心不厌，0门槛快速养成记账习惯 支持微信、支付宝、各大银行app的交易对账识别，快速构建历史账目 【AI 扫图识债】 借据、信用报告、还款计划表——拍一下就行。 旺财自动识别金额、利率、期数、还款方式，不用你一个一个敲。 【还款流量图】 可拖拽的时间轴，一眼看清未来每个月要还多少。 点一下柱子，当期明细全部展开——本金多少、利息多少、 还剩几期，清清楚楚。占月收入比例实时计算， 还款压力是否可控，心里有数。 【信用报告导入】 支持人行信用报告 PDF/截图导入，自动解析信用卡 和贷款列表，增量合并、不重复建重复账。导入后可 逐项确认后再保存，你的手动修改不会被覆盖。 【分期还款计划】 等额本息、等额本金、先息后本、到期还本——都支持。 每期金额自动算好，到期日前提醒，每还一期点「已还」 即可，旺财自动更新剩余期数和余额。 【我的资产】 绑定银行卡、基金、房产，总资产实时更新。 净资产 = 总资产 - 总负债，一张图看懂家底。 【旺财健康分】 AI 综合评估你的负债率、月供占比、资产结构， 给出 0-100 的财务健康分和改进建议。分低了， 旺财会告诉你问题在哪里、该怎么调。 【隐私第一】 所有数据存储在您的设备上，绝不上传任何服务器。 AI 识别通过加密传输到deepseek或智谱等大模型官方接口，识别完成后不保留原始内容。 无需注册，打开即用。支持面容 ID / 密码保护。 【附件凭证】 借据原件、还款截图、合同 PDF——直接挂到对应的 债务下面。随时回查，不丢失任何凭证。 === 适合谁用 === • 有多笔贷款/信用卡，想汇总月供、利率、优先还哪个 • 借了钱想管清楚的人——拍照建档，不用 Excel • 需要整理信用报告的人——导入后自动归类 • 对自己财务状况心里没数的人——旺财帮你盯着 === 关于我们 === 守财狗由一支关心普通人财务健康的团队打造。 我们不碰你的数据，不上传你的文件。 每个功能都只为一个目的：让你少一件烦心事。 有建议或反馈？ 邮件：alien1042421622@gmail.com 支持: https://jemarisan.github.io/guarddog-support/support.html 隐私政策: https://jemarisan.github.io/guarddog-support/privacy.html