Payoff vs Harbor

Pay off what you owe, one month at a time. Payoff turns your debts into a plan you can actually follow: what to pay, on which debt, this month. Tick each one off as you pay it, and watch the debt-free date come closer. THIS MONTH'S PLAN Every month, Payoff works out exactly what to put on each debt. Log a payment in two taps — the minimum, the planned amount, or the lot — and the plan updates itself. SEE WHAT YOU'RE SAVING Your plan against paying minimums only, side by side: the years and the interest you avoid. Drag the extra-payment slider to see what another $50 a month would do. EVERY STRATEGY, COMPARED Avalanche, Snowball, Hybrid, Cash-flow first and Promo deadline — for 0% and intro rates. Best plan for me runs all of them on your actual debts and tells you which wins, and why. PROGRESS WORTH WATCHING How much you've paid off, your debt-free countdown, whether you're ahead of plan, and every payment you've logged. Each debt gets its own progress bar. NEVER MISS A DUE DATE Reminders a few days before each debt is due, at a time you pick. ON YOUR HOME SCREEN A widget with your debt-free countdown, so your progress is there without opening the app. WORTH SHARING Turn your debt-free date into a card for Stories, or celebrate a debt you've cleared. Hide the amounts if you'd rather not show the numbers. YOURS, AND PRIVATE No account, no ads, no analytics. Your debts never leave your phone. Lock the app with Face ID, pick from 16 currencies, and switch to dark mode. FREE, OR PREMIUM Free for three debts, with Avalanche and Snowball, this month's plan, payment logging, progress, the minimums comparison, share cards, the widget, currencies, dark mode and Face ID. Payoff Premium is a one-time purchase for unlimited debts, Best plan for me, the other three strategies, custom order, the extra-payment simulator, due-date reminders and CSV export. No subscription.

Harbor is for people who avoid looking at what they owe -- not because they don't care, but because looking feels like being judged. Open it and nothing bad happens. No score, no ranking, no red numbers, no lecture about what you should have done differently. Just the real total, and a quiet place to sit with it. You add what you owe by hand: the name, the balance, and -- if you know them -- the interest rate and the minimum payment. No bank linking, no account, no sign-up. Nothing you type here leaves this phone. WHAT'S INSIDE -- Your real total, right now, in your own currency (23 to choose from) -- A weekly check-in that takes under a minute: tap how it feels (heavy / okay / a bit lighter -- there is no wrong answer), update a balance if you know it, done -- "Since your last check-in" -- the interest that quietly added up while you were away. Information, not a scolding, and deliberately capped so it never becomes a frightening number -- A clear-by date: enter a rate and a monthly payment and Harbor estimates the month each debt finishes -- Progress counted from what you actually brought down, so entering a forgotten balance later can't erase it -- A history chart of your total over time -- Optional Face ID or passcode lock, because debt is something people hide from the people closest to them, not just from themselves -- An optional weekly reminder. One quiet nudge, nothing more -- Light, dark, or automatic appearance, in 15 languages WHAT HARBOR NEVER DOES -- No streaks. A missed week is never drawn as a broken chain -- No payoff strategy, no snowball-versus-avalanche coaching, no financial advice. This is not a coach. It's a mirror -- No bank connection, no account, no ads, no analytics, no tracking of any kind Harbor doesn't sell your data because it never collects any. Everything you enter stays on this device, and it is still there -- quiet, honest, and never judging you -- whenever you are ready to look again.