Payoff Formula vs EasyDebts

Payoff Formula helps you build a clear plan to pay off your credit card debt. Enter your balance, credit limit, interest rate, and how long you want to pay it off. The app calculates your monthly payment using a utilization-based formula and shows you a complete month-by-month schedule. No guessing. No hidden math. Every step of the formula is shown so you understand exactly what you're paying and why. Features: Step-by-step math breakdown of your payoff plan Month-by-month payment schedule with utilization tracking Color-coded utilization zones (red, yellow, green) Add multiple credit cards and compare plans Summary with highest payment, lowest payment, and total cost All data stored locally on your device No login, no ads, no tracking, completely free Built by DevAppStudios.

EasyDebts Tracker is a simple and private app that helps you record money you need to receive and money you need to pay. It is useful for personal debts, small business credit records, customer balances, shop records, freelance payments, bills, loans, and money exchanged between friends, clients, or customers. You can easily record who gave or took money, how much is pending, when the payment is due, and when the payment is completed. With EasyDebts Tracker, you can save the person or client name, phone number, amount, currency, date, due date, notes, and payment status. When money is paid later or returned back, you can update the record and attach a payment screenshot, receipt, invoice, bill, or proof image from your camera or gallery. EasyDebts Tracker supports 70+ currencies, making it useful for users who deal with different currencies for personal or business records. You can record separate balances by currency and clearly see how much you need to receive or pay. The app also includes due date reminders. You can enable payment reminders and choose reminder days, such as before the due date or on the payment date, so you do not forget important pending payments. You can also call the person or client directly from the app, making it easier to follow up on pending payments or confirm payment details. EasyDebts Tracker allows you to export each client’s transaction history as a PDF file. This is useful for keeping records, printing, sharing with clients, or saving payment history for future reference. EasyDebts Tracker is designed to be simple, fast, and easy to use. You do not need to create an account or sign in to use the app. Your records are stored locally on your device, giving you more privacy and control over your data. The app also supports backup and restore. You can export your records into a ZIP backup file before uninstalling the app or changing your device. After installing the app again, you can restore your records from the ZIP file, including saved records and attached receipt images. Main Features: • Record money you need to receive • Record money you need to pay • Save person or client name and phone number • Call the person or client directly from the app • Save amount, currency, date, and due date • Support for 70+ currencies • Attach payment screenshots, receipts, invoices, bills, or proof images • Mark records as unpaid, partially paid, or paid • View and manage payment history • View client balance and transaction history • Export client transaction history as a PDF file • Enable due date and payment reminders • Choose reminder days from settings • Search records easily • Use the app without account registration • Store records locally on your device • Backup and restore data using a ZIP file EasyDebts Tracker helps you keep clear records of pending money, returned payments, and completed payments. It is useful for personal use, small businesses, shop owners, freelancers, customers, friends, and anyone who needs a simple way to manage debt, due, and payment records.