Eliminate vs Paycheck Debt Planner

Take control of your debt and start building the future you deserve. Eliminate is a private, powerful debt payoff planner that lives entirely on your device. No accounts. No servers. No syncing. Your financial data never leaves your device. Whether you're juggling credit cards, personal loans, or other debts, Eliminate gives you the tools to track everything, plan your payoff strategy, and watch your progress in real time. DEBT PAYOFF STRATEGIES Choose between the Avalanche method (highest interest first) or the Snowball method (smallest balance first) to find the approach that works best for you. See exactly when you'll be debt-free and how much interest you'll save. TRACK ALL YOUR CARDS & LOANS Add your credit cards and track balances, APRs, limits and minimum payments in one place. With Pro, add car loans, student loans and personal loans too — loans show how much you have paid off rather than credit utilization, and they join your payoff plan automatically. MONTHLY BUDGET PLANNER Set a monthly budget, log transactions, and see exactly where your money is going. Stay on track every month. RECURRING TRANSACTIONS Set up recurring expenses so your budget stays accurate without the extra work. CHARTS & VISUALIZATIONS See your debt payoff timeline, balance trends, and progress charts at a glance. Watching your debt shrink has never felt so good. PAYMENT TRACKER Log payments as you make them and see at a glance when each card or loan is due next. Never lose track of a payment cycle. BACKUP & RESTORE Export and import your data anytime so you never lose your progress. COMPLETELY PRIVATE Eliminate is built with privacy at its core. There are no accounts to create, no data sent to servers, and no third parties with access to your financial information. Everything stays on your device. Always. FREE & PRO Get started for free with up to 3 credit cards. Upgrade to Pro for unlimited cards, loan tracking, full debt payoff tools, charts, recurring transactions, and more. Pro plans: Monthly subscription with a 7-day free trial Yearly subscription with a 7-day free trial (save 30%) Lifetime: one-time purchase Prices are shown in your local currency in the app and at checkout. Pay it down. Own your future. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://eliminateapp.com/privacy.html

Payday shouldn't start with a spreadsheet. Enter your paycheck and your due dates, and Paycheck Debt Planner tells you exactly what to do this cycle: which bills are due, which debt gets the next attack, and how much cushion you'll have left. Then it turns the long grind to debt-free into something you can actually feel — streaks, milestones, and a history of every cycle you stayed on plan. Curious before you commit? Tap "Try with Sample Data" to explore a fully populated plan instantly — no accounts, no bank connections, no sign-up. **TRACK YOUR JOURNEY** Paying off debt is a marathon — this makes the progress visible every single paycheck: - **Milestones & Celebrations** — Cross 25%, 50%, 75%, or fully clear a debt and the app celebrates the moment. Free for everyone. - **On-Plan Streaks** — Stay on plan and your streak grows, cycle after cycle — the small win that keeps the big goal moving. Free. - **Pay Cycle History** *(Premium)* — Look back at your recent finished cycles and how far you've come. --- **WHAT YOU GET, FREE** - **Payday Autopilot** — On payday, confirm your whole plan — required bills, minimums, and extras — in one tap, or adjust any item. Bills on autopay handle themselves. Zero bookkeeping. - **Interest Saved** — See how much interest your extra payments save, and how much sooner you're debt-free, vs. paying minimums only. - **Paycheck Plan** — Required payments and recommended actions the moment your paycheck lands — what you must pay vs. what you should. - **Debt Payoff Engine** — Snowball or avalanche, your choice. Tracks your focus debt, projects your payoff date, and puts the extra to work. - **Timeline View** — Your full pay cycle with a running safe-cash balance, so you always see where the money goes. - **Goals** — Emergency fund and savings funded before snowball, so your safety net builds while debt shrinks. - **Swipe-to-Pay** — Mark anything paid with one swipe; swipe back to undo. - **App Lock** — Face ID, Touch ID, or passcode. Off by default, on whenever you want it. - **Local Reminders** — A paycheck-eve nudge and a heads-up before your earliest unpaid bill. Opt-in and quiet. Also free: autopay flags, Auto/Light/Dark themes, undo-on-delete, and full backup + CSV import. **PREMIUM — SMART FORECASTING** Free gets you a complete, accurate plan. Premium gets you a plan that thinks ahead: - **Smart Insights** — Adaptive recommendations based on your actual cash pressure, cushion, and payoff pace, every cycle. - **Strategy Comparison** — Snowball vs. avalanche, side-by-side, using your real balances and APRs — not a generic rule of thumb. - **What-If Simulation** — Model an extra monthly payment before committing. See the new debt-free date and exact interest saved. - **3-Month Forecast** — Projected cushion, debt balance, and risk level three cycles out. Spot pressure before it's a missed payment. - **Amortization Schedule** — A month-by-month payoff schedule for your focus debt: interest, principal, and balance to $0. - **Pay Cycle History** — Look back at your recent finished cycles, so progress is never out of sight. **Subscription Details** Premium Monthly is an auto-renewing subscription billed at $4.99/month through your Apple ID account. It renews automatically for the same price and duration unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings > [your name] > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ · Privacy Policy: https://jsnyde03.github.io/debt-planner-site/privacy.html **BUILT FOR PRIVACY** Everything stays on your device — no accounts, no cloud, no bank connections, no trackers. App Lock uses Apple's on-device Face ID/Touch ID — your biometric data never reaches us. Weekly, bi-weekly, semi-monthly, and monthly pay schedules all supported. *Paycheck Debt Planner provides budgeting and organizational tools only and does not provide financial advice.*