Spent. vs Debt Snowball

A private expense tracker that lives on your iPhone. Log spending by hand, from a receipt or straight from Apple Pay, and ask Lil Bit what you spent. No account. No cloud. No tracking. Meet Lil Bit, the little bookkeeper inside Spent. Ask "how much at Target last month?" and the total is there in a second. Lil Bit is free and answers from what you've recorded, right on your phone. ASK LIL BIT (FREE) • "How much on food this month?" Any category, any period • "How much at Target last month?" One merchant • "Compare this month and last" • "What was my biggest expense last month?" • "How much did I put on my Amex last month?" • "What's my monthly average?" Full months only • "Am I over budget?" Limit, spent and what's left • "What's my balance across accounts?" APPLE'S ON-DEVICE MODEL With AI Unlock, Spent. reads your receipts, turns "lunch 12" into an entry, imports screenshots of your bank or e-wallet history, and suggests categories for new captures. On iPhone 15 Pro or later running iOS 26 or later with Apple Intelligence on, this runs on Apple's on-device model, with nothing to download. Other iPhones download Spent.'s model once (3.6 GB). Either way it all happens on your phone, and you check every entry before it saves. APPLE PAY CAPTURE (FREE) Add the shortcut in Settings > Apple Pay Capture. Each time you pay with Apple Pay, the purchase waits in your review list with the merchant and amount filled in. Approve them one at a time or all at once. BANK NOTIFICATIONS (FREE, iOS 27) Your bank already tells you when you've paid. Show Spent. one real notification by tapping the amount and the merchant, and every payment after that lands in your review list. No bank login, no connection to your bank, no server. BUDGETS Set a monthly limit for any category and Insights draws a quiet bar under it, so you can see under, near or over at a glance. Per currency, and included in your backups. WHAT ELSE YOU CAN DO • Track expenses, income and transfers across accounts • Multi-currency: each account keeps its own currency, with no conversions • Insights by category and merchant, month over month • Scan receipts with on-device text recognition for free; AI Unlock fills in the details • Rename a bank's merchant once and Spent. remembers it • Recurring transactions, duplicate detection and merchant memory • Home Screen widget to log, scan or ask in one tap; it shows no data by design • Privacy mask hides every balance with one tap • Siri and Shortcuts • Full backup and restore, any time PRIVACY BY DESIGN Spent. has no server and no account. Nothing is collected, so there is nothing to leak. The AI runs on your iPhone and never uses Private Cloud Compute. Your receipts, balances and habits stay with you. Free: manual tracking, Lil Bit chat, Apple Pay capture, bank notifications, receipt scanning, budgets and insights. AI Unlock is a single one-time purchase for AI receipt reading, typed entries, screenshot import and AI suggestions. No subscription, ever. Your expenses, tracked privately.

Debt Payoff turns a pile of balances into one clear plan: which debt to attack first, exactly when you'll be debt-free, and how much interest each strategy saves. Add your credit cards, loans, and any other balances, choose the snowball or avalanche method, and watch your debt-free date move closer every time you log a payment. The whole core planner works offline — no account required to start. Most debt apps stop at a calculator. Debt Payoff builds a real month-by-month payoff schedule from your actual APRs, minimum payments, and the extra amount you can put toward debt each month. Then it shows snowball and avalanche side by side so you can see, in plain numbers, how many months and how much interest one strategy saves over the other. It's the difference between hoping you're making progress and knowing it. WHAT YOU CAN DO • Track every debt — credit cards, student loans, car loans, personal loans, and more, each with its own balance, APR, and minimum payment • Compare snowball vs avalanche — see months to debt-free and total interest for each method, side by side, on your own numbers • Get a real payoff schedule — a month-by-month plan showing where every extra dollar goes and when each debt hits zero • Log payments in seconds — record a payment and watch the balance, progress bar, and debt-free date update instantly • See your debt-free date — one clear countdown that moves earlier as you pay, so progress is always visible • Watch interest saved add up — see how much you keep out of the bank by following your plan instead of paying minimums forever • Celebrate every payoff — each debt cleared is a milestone, with per-debt progress and a running payment history • Ask the coach — a built-in guide explains your own plan in plain language and answers what-if questions about your numbers • Plan extra payments — test what happens if you add $50, $100, or a one-time lump sum and see the date jump forward • Keep it private and offline — your balances and payment log live on your device; the core planner needs no sign-up WHY DEBT PAYOFF • Built on a real payoff engine — accurate interest accrual, minimum payments, and extra-payment rollover, computed on your device, not guessed • Snowball and avalanche, both free — the whole comparison and full schedule are in the free tier, not locked behind a paywall • Motivation you can see — a debt-free date and interest-saved counter that reward you for every single payment • One system of record — every debt and every payment in one place instead of scattered statements and spreadsheets • Coaching that explains YOUR numbers — the coach narrates the plan you already have; it never invents figures or pushes new debt • Offline-first and calm — no ads-first clutter, no daily spam, just a clear plan and a countdown to zero WHO IT'S FOR • Anyone juggling several balances who wants to know which debt to pay first • Snowball fans who want quick wins by clearing the smallest balance first • Avalanche planners who want to kill the highest-interest debt and save the most money • People paying only minimums who want to see how much faster a little extra goes • Anyone who wants a visible, motivating countdown to the day they're finally debt-free A NOTE ON ADVICE Debt Payoff is a planning and tracking tool, not a licensed financial advisor. It explains your own numbers and shows how different payoff strategies compare — it does not give personalized investment, credit, or tax advice, never recommends taking on new debt, and cannot guarantee a specific result. For decisions about your finances, consider speaking with a qualified professional. Pick a strategy, log your first payment, and watch your debt-free date move closer. Download Debt Payoff and start your plan to zero today. Terms of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy https://coddykit.com/terms/privacy-policy