Payoff vs BalancePilot

What if paying off debt didn't have to feel so lonely? Most debt apps hand you a spreadsheet and say "good luck." Payoff is different. It pairs you with an AI coach that actually knows your debts, a plan that adapts to your life, and a savings planner that shows you what freedom looks like on the other side. Whether you're juggling credit cards, student loans, car payments, medical bills, or buy-now-pay-later debt — Payoff creates a personalised debt payoff plan in minutes. No bank access needed. No judgement. Just a clear path forward. __________________________________ AI DEBT COACH — YOUR SMARTEST FINANCIAL FRIEND "I got a $600 bonus — what should I do with it?" Your AI coach analyses your actual balances and tells you exactly where that money does the most damage. It's like texting a financial advisor who never sleeps and never judges. 7 SMART PAYOFF STRATEGIES + BABY STEPS - Debt Snowball — smallest balance first for quick wins and motivation - Debt Avalanche — highest interest first to save the most money - Hybrid — AI-recommended blend of both approaches - Plus 4 more: Cash Flow Index, Deadline, Highest Balance & Custom Order - Built-in Baby Steps guide — follow Dave Ramsey's proven framework from emergency fund to debt freedom to investing - Not sure which? Take our 60-second personality quiz — we'll match you A DEBT TRACKER THAT ACTUALLY MOTIVATES YOU - Beautiful dashboard with progress ring, streak counter, and debt-free countdown - What-if scenarios — slide to see how one extra payment changes your payoff date - Log payments, hit milestones, earn streaks — every step celebrated - Smart Import — snap a photo of your statement, AI extracts everything - Payment reminders and calendar sync so you never miss a due date FOCUS MODE — FOR THE HARD DAYS Feeling overwhelmed by the numbers? One tap hides every balance. You see only your progress percentage and one simple action: "Pay $180 to Visa." Trust the plan. Breathe. LIFE AFTER DEBT — BECAUSE THAT'S THE WHOLE POINT Most debt apps stop the moment you're debt-free. We think that's where life starts: - See exactly how much monthly cash you'll free up from debt payments - Set savings goals — emergency fund, dream holiday, first home - Investment tracker — plan compound growth for retirement, index funds & more - Money timeline maps every milestone from debt payoff to savings to investments - Watch your debt-free date, savings targets, and investment goals on one screen PARTNER MODE — TACKLE DEBT AS A TEAM Share debts with your partner, split payments, track who's contributed what, and chat with a shared AI coach together — all synced in real-time. Because money conversations are easier with the right tools. EVERY DEBT TYPE. EVERY CURRENCY. EVERY LANGUAGE. Credit cards, student loans, auto loans, mortgages, personal loans, medical debt, BNPL (Klarna, Afterpay), tax debt — all supported. 9 languages. Multi-currency. Works worldwide. Your data stays on your device. __________________________________________ FREE TO START — NO CREDIT CARD REQUIRED - Track 2 debts for free - Snowball & Avalanche strategies included - Dashboard with debt-free countdown timer - Payment reminders & milestone celebrations - 5 AI coach messages per month PREMIUM — UNLOCK YOUR FULL POTENTIAL - Unlimited debts & unlimited AI coaching - All 7 strategies + personality quiz recommendation - Focus Mode, savings planner & investment tracker - What-if scenarios, smart import & CSV import - Partner/Household mode for couples - Expense tracker & custom accent colours __________________________________________ The average person with a plan pays off debt 2-3 years faster than someone paying minimums. Your plan starts today. You've got this. END USER LICENSE AGREEMENT: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

BalancePilot is a manual debt payoff planner that helps you decide what to pay next, organize upcoming payments, and build a realistic plan around the money you have available. See scheduled payments, protected cash, upcoming minimums, funding shortfalls, and extra-payoff opportunities in one clear Payday Plan. No bank connection is required. BalancePilot does not move money or make payments. You stay in control by entering and updating the information you want the app to use. BUILD YOUR DEBT PAYOFF PLAN Track credit cards, auto loans, student loans, medical bills, personal loans, and other debts in one place. • Track balances, APRs, minimum payments, due dates, and statement dates • Monitor credit utilization • Record completed payments • Plan one-time and recurring payments • Track deferred-interest promotions • View account progress and insights PLAN AROUND YOUR PAYDAY Build a plan based on available cash and upcoming obligations. • Protect your safety buffer and other cash commitments • See scheduled payments directly in your Payday Plan • Identify minimums due before your next payday • See how much of each cash protection is funded • View any remaining cash-protection shortfall • See what is available for extra payoff • Keep Available, Protected, Free to Plan, and Shortfall totals consistent across the app Scheduled payments can still count toward minimum coverage when cash reservation is off. KNOW WHAT NEEDS ATTENTION BalancePilot reviews the information you enter to help surface obligations that may need attention first. • Due and past-due payment alerts • Payday-aware payment planning • Planned Payment and AutoPay tracking • Minimum-payment coverage • Credit utilization guidance • Credit Score Focus planning • Upcoming payment timeline and reminders COMPARE PAYOFF STRATEGIES Explore payoff approaches and see how each may affect your projected debt-free date and estimated interest. • Debt Avalanche • Debt Snowball • Smart Hybrid • Accelerated Payoff • Credit Score Focus • Custom payoff ordering • Projected payoff timeline PREVIEW PURCHASES AND NEW LOANS Explore how a new purchase or loan could affect your current payoff plan before committing. • Preview the impact of a new purchase • Estimate a monthly loan payment • Compare multiple loan offers • Review changes to your payoff timeline • Save planned loans before adding them as active debt • Scan eligible loan documents to help fill in details IMPORT AND ORGANIZE STATEMENTS For supported U.S. statements, BalancePilot can help extract account information from eligible PDF statements. Imported details may include: • Current balance • Minimum payment • Due date • Statement close date • Credit limit • Promotional balances and expiration details Always verify imported information against the original statement before saving. STAY ORGANIZED • Payment calendar and upcoming timeline • Needs Attention alerts • Payoff progress charts • Payment history • Deferred-interest promotion tracking • Exportable payoff summaries BALANCEPILOT PRO Upgrade to BalancePilot Pro to unlock: • Statement PDF Analyzer • Loan Impact Preview • Compare Loan Offers • Planned Loans • Export Payoff Summary • Additional planning insights IMPORTANT INFORMATION BalancePilot is an educational planning tool. It does not connect to your bank, make payments, negotiate with lenders, or provide financial, legal, tax, credit, or investment advice. Projections and recommendations are estimates based on the information you enter and may not reflect actual lender calculations, interest charges, payment processing, promotional terms, or credit-score changes. Always confirm balances, payment amounts, due dates, interest rates, promotional terms, and payoff information with your lenders. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/