Payoff Planner vs Owed.today

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

Know what you're owed. Log a shift and Owed prices it to the cent, overtime included. Built for pay that changes by day and job: weekend rates, two employers, overnights that cross midnight. On payday, compare your number with your payslip's. No spreadsheet, no guessing. WHAT OWED DOES • A rate for every day. Set weekend and overtime rates once; Owed applies them to every shift automatically. • Multiple jobs, kept straight. Hours and overtime are counted per job, never mixed, so each payslip reconciles on its own. • Overnight shifts, automatically. A shift that crosses midnight splits and prices correctly, including a different rate on the far side. • Weekly, fortnightly or four-weekly. Set how you're paid once, and every total groups the way your payslip does. • The payday compare. Your number beside your payslip's, to the cent. Scan the payslip or type the figure in. • Owed shows its working. Every shift split into its segments: the hours, the rate, the overtime, what each part earned. • Payday reminder. A quiet nudge the morning after your pay period closes, so the compare is waiting when your payslip lands. • Pay history and your pay record (Owed in Full). Your pattern period by period, and a PDF or CSV of any period to keep or to send. YOUR DATA IS YOURS No account, no sign-up. Your shifts stay on your phone and sync through your own iCloud. No one else gets a copy. FREE TO USE, MORE IF YOU WANT IT The ledger, every rate, the payslip scan and the payday compare are free. Owed in Full unlocks your pay history and your pay record: monthly, yearly, or one payment that's yours for good. Your choice. Owed in Full is a subscription (monthly or yearly, with a free trial on the year) or a single lifetime purchase. Subscriptions renew until you cancel in your App Store settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Owed is a personal record based on the figures you enter, not legal or financial advice, and not an official pay record.