Payoff Planner vs DebtPilot

Payoff Planner builds a personalized debt payoff plan around your real pay schedule — not a generic monthly budget. Every pay period, the app looks at your income, bills, minimum payments, and living expenses, then tells you exactly how much extra you can safely put toward debt and which debt to pay first. See exactly when you'll be debt free. Enter your debts, pick snowball or avalanche, and watch your plan build itself. No bank linking. No subscription. Just a clear plan to get out of debt faster. WHAT MAKES IT DIFFERENT Most debt apps ask you to pick a strategy and do the math yourself. This one does the math for you, every paycheck. - Syncs recommendations to your actual pay schedule - Protects a living reserve and checking cushion before suggesting extra payments - Supports five strategies: Score Sprint, Avalanche, Snowball, Hybrid, and Custom - Shows a full payoff roadmap with estimated debt-free date - Score Boost mode targets credit utilization breakpoints for faster score improvement HOW IT WORKS 1. Add your income, bills, and debts 2. Set your living reserve — how much you need for day-to-day spending 3. Each pay period, open the app and follow your plan The app handles the rest — calculating what's available, prioritizing debts, and adjusting recommendations as you log payments. BUILT FOR REAL LIFE Had an unexpected expense? Adjust your plan for this period without affecting future ones. Variable bills? Update estimates per cycle so your extra-payment number stays accurate. PRO (ONE-TIME PURCHASE) Unlock Pro for a single payment — no subscription, no recurring charges. Pro removes ads, unlocks full Score Boost, extended Roadmap views, progress history, and backup/export tools. Yours forever. Your data stays on your device. No account required. No bank linking.

DebtPilot is the simplest way to make a plan and pay off your debt for good. Add what you owe — or just scan a bill or statement — choose a strategy, and DebtPilot shows you exactly what to pay each month, when you'll be debt-free, and how much interest you'll save. No jargon, no spreadsheets — just a clear plan you can follow, with progress and rewards that keep you going. WHAT YOU GET FREE • Scan a bill or import a PDF — snap a photo or pick a statement and we fill in the balance, rate, and payment for you. Processed on your device; nothing is uploaded. • Two proven strategies — Snowball (knock out your smallest balance for quick wins) or Avalanche (target your highest rate to save the most). Or set your own custom order. • Your debt-free date — see the exact month you'll be free, with a progress ring and a live countdown on your Lock Screen and Dynamic Island (Live Activity). • "This month" plan — know exactly what to pay on each debt, and log payments with one tap, by amount, or with Siri ("Hey Siri, log my DebtPilot payment"). • Quick extra payments — drop a one-time "snowflake" payment on any debt and watch your date move closer. • Due-date calendar & reminders — see everything due this month at a glance. • Loan & amortization calculator — see where every payment goes, including mortgage escrow, principal vs. interest, and lifetime interest. • Month in Review — a monthly recap of what you paid down and how far you've come. • Achievements, badges & streaks — stay motivated and share your progress. • Home & Lock Screen widgets, color themes, an interactive tutorial, and a Learn section in plain English. • iCloud sync — your plan follows you to a new phone, automatically. • Private by design — everything stays on your device. No account, no tracking, nothing collected. DEBTPILOT PREMIUM (optional) Go faster with the full toolkit: • Rate Negotiator — see what a lower interest rate could save you, with a word-for-word script to ask your lender for one. • Planning tools — simulate extra payments and a one-time lump sum, and set a target payoff date. • Budget simulator — enter your income and expenses to find the best amount of leftover money to put toward debt, while keeping a safety cushion. • Interest-saved breakdown — charts showing exactly how your plan beats paying minimums. • Refinance / rate "what-if" — see if a lower rate or balance transfer is worth it. • Payoff projection charts and per-debt month-by-month schedules. • Export & print your plan as a PDF, or to a spreadsheet (CSV), and track unlimited debts (free covers 3). DebtPilot is an educational planning tool to help you organize and pay down debt. Figures are estimates and it is not financial advice. Start your plan today — your debt-free date is closer than you think. — — — DebtPilot is free to download and use. DebtPilot Premium is an optional subscription: • Monthly — $4.99 • Yearly — $29.99 Payment is charged to your Apple Account at purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the period; manage or cancel anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://aganfinancial.com/privacy