Financial Payment Tracker vs Payoff Dots

Take control of your debt, without connecting a single bank account. Financial Payment Tracker is a privacy-first app for managing credit card, loan, and mortgage payments. You enter only what you want to track: balances, APR, and due dates. No account numbers, no bank logins, no data ever leaves your device (unless you choose to sync with your own iCloud). WHAT YOU CAN DO • Track multiple accounts (credit cards, auto loans, personal loans, student loans, mortgages) all in one place. • Log payments and charges manually and watch your balance update with every entry. • Never miss a due date. Set smart payment reminders and the app notifies you a few days before each payment is due. • Sync your payment due dates, loan/mortgage maturity dates, and savings goal targets to Apple Calendar, so they show up alongside the rest of your life. Amounts stay out of your calendar by default; you decide if and where they appear. • Plan your payoff with Avalanche or Snowball strategies. See exactly which account to attack first, how much interest each strategy saves, and the month you'll be completely debt-free. • Track your savings goals alongside your debt. See your full financial picture in one app. • Export your payment history as a PDF statement or Excel-compatible CSV, perfect for budgeting reviews or sharing with a financial advisor. • Back up everything, accounts, payments, and savings goals, to a file you keep, and restore it any time. • View a monthly bar chart of all payments at a glance on the History tab. • Add a home screen widget to see your next payment due without opening the app. • Pair with your Apple Watch for a read-only companion showing upcoming payments and a watch face complication with a due-date countdown. • Lock the app behind Face ID or Touch ID so your financial data stays private even if someone picks up your phone. • Optionally sync across all your Apple devices with iCloud, in your own private iCloud database, never on our servers. PRIVACY BY DESIGN Most finance apps require you to connect your bank and hand over your login credentials. Financial Payment Tracker never asks for any of that. Every number you enter stays on your device. We have no servers, no analytics, and no advertising. With iCloud sync on, your balances, rates, account names, and notes are encrypted with keys kept in your iCloud Keychain. And if you ever type something that looks like a card number, Social Security number, or bank routing number, the app warns you and offers to remove it, because Financial Payment Tracker never needs them.

Payoff Dots makes paying down debt feel visible and achievable. Add your balances, record updates, and watch each payment fill your payoff dots. The dashboard brings every active debt together while individual pages show exactly how far each balance has moved. FEATURES • Visual payoff dots for every debt • $100 dots for balances up to $25,000 and $1,000 dots above that • Overall and individual progress tracking • Quick balance check-ins • Archive completed or paused debts without deleting them • Discreet widgets that never show dollar amounts • Small, medium, and large widget layouts • Light and dark appearances designed for iPhone and iPad • Private iCloud sync across iPhone and iPad • No separate Payoff Dots account required FREE AND PRO The free version supports up to two active debts. Payoff Dots Pro is a one-time purchase that unlocks unlimited active debts. There is no subscription and no advertising. PRIVACY Your debt information is stored on your devices and in your private iCloud database for syncing. Waypoint Labs LLC does not operate a separate debt-data server. Payoff Dots does not include advertising, third-party analytics, or tracking. Payoff Dots is a tracking tool and does not provide financial, lending, tax, or investment advice.