Dues vs PayDown

DUES — NEVER MISS A BILL AGAIN Your smart bill tracker, payment reminder, and expense splitter in one beautifully designed app. Stay on top of every due date, split costs with friends, and manage household finances together. — NEW IN VERSION 1.1.0 — VOICE ENTRY Just speak — "Add $500 electricity bill due next Friday" — and Dues fills in the amount, name, date, and category automatically. Adding a bill has never been faster. SPLIT BILLS Divide any bill among friends or family. Each person receives their share by push notification. Works even if your contacts haven't joined Dues yet — they'll be linked automatically when they sign up. FAMILY PLAN Share your Dues account with up to 5 household members. Everyone stays on the same page for shared bills, rent, and household expenses. HOME & LOCK SCREEN WIDGETS See your upcoming bills at a glance directly on your Home Screen or Lock Screen. A quick-add button lets you log a bill in seconds without opening the app. REAL-TIME SYNC Changes appear instantly across all your devices via secure cloud sync. — CORE FEATURES — SMART BILL TRACKING * Track all your bills in one place — utilities, rent, subscriptions, loans * Set due dates and receive timely reminders * Mark bills paid with a single tap * View upcoming, overdue, and paid bills at a glance * Recurring bills (monthly, weekly, yearly) — set once, and the app handles the rest INSIGHTS & ANALYTICS * Monthly spending totals and trends * Category breakdowns for smarter budgeting * Full payment history and spending patterns over time * Export your data to CSV for spreadsheets or tax records POWERFUL ORGANIZATION * 150+ currencies with automatic regional formatting * Filter by category: Utilities, Rent, Insurance, Subscriptions, Loans * Search bills instantly by name or amount * Archive old bills and keep your records tidy * Color-coded categories for quick visual recognition — PREMIUM FEATURES — Upgrade to Dues Premium to unlock: * Unlimited Bills — remove the free plan limit * Unlimited Archive — keep your entire payment history forever * Family Plan — share with up to 5 household members * Priority support and early access to new features Available as monthly or yearly subscription. — WHY DUES? — Works offline — full functionality without internet; data syncs when you reconnect Privacy first — we never sell your data; secure encryption, no third-party tracking Zero ads — clean, distraction-free experience Dark Mode — easy on the eyes day and night Designed for real people — not accountants PERFECT FOR Families managing household bills • Roommates splitting rent and utilities • Students tracking monthly expenses • Freelancers managing business costs • Anyone tired of juggling multiple due dates — SUBSCRIPTION INFORMATION — Dues Premium is available as a monthly or yearly auto-renewable subscription. Payment is charged to your Apple ID account at confirmation of purchase. Subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel your subscription in App Store Account Settings at any time. Privacy Policy: https://easy-bills.netlify.app/ Terms of Use: https://easy-bills.netlify.app/terms

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. Not just pay-later plans: car loans, student loans, credit cards, rent, and any other bill go on the same schedule, with one date that tells you when you are done.