Payoff Planner vs Debt Descent

Know exactly how much extra you can safely put toward debt from each paycheck, after your bills, minimums and the money you live on. Payoff Planner builds your payoff plan around your real pay schedule. Add your income, bills and debts once. Every pay period it shows the safe extra amount, which debt to pay first, and your debt-free date. HOW IT WORKS • Bills and minimums come first, then your living money and a cash cushion • What's left goes to debt, in the order you choose • Log payments as you go and watch your debt-free date move closer PAYOFF STRATEGIES Snowball, avalanche, hybrid, highest balance, debt-to-interest ratio, Score Sprint (credit score first), or your own custom order. FEATURES • Paycheck plans for weekly, every-two-weeks, twice-a-month or monthly pay • Your debt-free date, and the interest you save compared with paying only minimums • Credit cards, car loans, personal and medical debt, mortgages (with escrow) and student loans (with paused payments) • Statement-close timing to lower credit card utilization • Bill reminders and payday nudges • Amounts in your own currency • Free manual backup and restore PAYOFF PLANNER PRO (ONE-TIME PURCHASE) • Full payoff schedule: every month to debt-free, per debt, as a printable PDF • Daily automatic backups, saved to iCloud Drive when it's on • Scenario Lab for what-if changes • Full Score Boost, 6- and 12-month Roadmap, all-time progress and CSV export • No ads PRIVATE BY DESIGN No bank linking and no account. Your debts and budget stay on your iPhone, and in your own iCloud Drive if you use backups. The free version shows ads. Payoff Planner shows estimates based on what you enter. It isn't financial advice. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://chadpickard.app/privacy-policy.html#debt-payoff-sprint

Debt Descent shows you exactly when you'll be debt-free. Enter your real balances and APRs, and it lays out your payoff plans side by side so you can see which one gets you there faster and cheaper. I built it while paying down my own debt, and the features are the ones I needed myself. Add your debts and the extra you can pay each month, and Debt Descent runs both standard methods at once: - Snowball: pay off the smallest balance first for quick wins - Avalanche: pay off the highest APR first to save the most interest You get real numbers: - Your debt-free date and payoff time for each method - Pick a debt-free date and see the extra it takes - Total interest, total paid, and what each method saves, side by side - A "descent to zero" chart that plots every balance falling to zero - What's left over: add your take-home pay (or read it from a paystub) and the bills outside the plan, and see what's really left each week, month, and year It also handles the parts of real life that get in the way of a plan: - Windfalls: add a future bonus or tax refund and watch your payoff date move up - Pay weekly, every two weeks or twice a month: each debt follows its own payment schedule - Paydays and bills: see which paycheck covers each payment and bill, and whether what's in the bank covers what's due before the next one - Autopay: debts and bills on autopay log themselves - Skip or defer a month's payment, and see what it costs before you do - Save up for a purchase, and see what charging it would cost instead - Refinance and consolidation: model a balance transfer, a loan, or new rates per account, then apply the deal in one step - Payment groups: log one monthly payment that covers several debts and it splits to the cent - Promo and deferred-interest tracking, with a notification before a 0% intro APR ends - Per-debt amortization schedules and "Test a payoff" what-ifs - Payment logging that shows whether you're ahead of the plan or behind - Due-date notifications you can log a payment from, a payday notification, and calendar (.ics) export - Siri, Shortcuts, Spotlight and widgets: ask when you'll be debt-free, or log a payment by voice or from the medium widget - A "Track only" option for balances you want to watch outside the plan - Built for accessibility: Dynamic Type up to the largest sizes, and VoiceOver reads each field and row by name Adding a card takes seconds: - Scan a paper statement with the camera or open a statement PDF, and Debt Descent reads the balance, APR, any intro rate, minimum, and due date for you - Or import and export your whole plan as JSON or PDF Sync and privacy: - iCloud sync keeps your debts, payments, and plan up to date across iPhone, iPad, and Mac. It's automatic and free. - There's no account, no sign-up, and no server on my end. Your data lives on your device and in your own private iCloud, where I can't see it. - There's no bank linking. You type your balances or point the camera at a statement, and nothing connects to your accounts. - Statements are read on your device. Nothing is uploaded. - Lock the app with Face ID, hide your numbers on a shared screen, and get a weekly backup in your iCloud Drive. Debt Descent is free to use: add your debts, run Snowball and Avalanche, see your debt-free date, track payments and progress, pay on your own schedule, track bills by paycheck, put debts on autopay, skip or defer a payment, see what's left over after debt and bills, share your progress card, read a statement on your device, and export your payments as a CSV. A one-time Pro upgrade ($14.99, unlocks on all your devices and, with Family Sharing, your family's; no subscription) adds five more payoff methods including a custom order you set yourself, the what-if slider and per-debt payoff tests, picking your debt-free date, windfalls, refinance modeling, amortization schedules, PDF and calendar export, and due-date, payday and promo notifications.