FinanceToolkitt vs GoDebtFree

Finance Toolkit puts 19 financial calculators, expense tracking, investments and important documents in one app. No account. No sign-up. No ads. WHY PEOPLE SWITCH • No account or sign-up — open the app and start • Your data stays on your device; iCloud sync is optional and yours to control • No ads, no trackers, no bank logins • Works fully offline VOICE AND SIRI EXPENSE ENTRY Tap the mic and say "Spent 450 on fuel." The amount, category, description and date are picked up automatically using on-device speech recognition, and you can edit any field before saving. Or skip the app entirely: "Hey Siri, add expense in Finance Toolkit." Long-press the app icon for instant Voice Expense and Add Expense shortcuts. 19 FINANCIAL CALCULATORS Loans (10): Home, Vehicle, Personal, Education, Business, Gold, Loan Against Property, Agricultural, Credit Line / Overdraft, Consumer Durable Investments (5): SIP, Mutual Fund lump sum, SWP, Fixed Deposit, Recurring Deposit Tax and Retirement (4): Income Tax with old vs new regime comparison, NPS, PF, Gratuity Star your favourites, save any calculation with notes, restore the inputs later, and share or copy results. AMORTIZATION THAT ACTUALLY HELPS Month-by-month EMI, principal, interest and balance. Model prepayments, step-up EMIs, a custom higher EMI, or an existing loan you have already been paying. See exactly how many months and how much interest you save. Export as PDF or CSV. EXPENSE TRACKER • 27 categories with tags and notes • Receipt scanner — photograph a bill and the total, merchant and date are extracted and categorised • Bank statement import — bring in a PDF or CSV statement; transactions are sorted automatically (UPI, NEFT, IMPS, ECS) and the app learns from your corrections • Pie charts, monthly and yearly views, search and filters • Multi-select and batch delete • Export as PDF or CSV MONTHLY OUTFLOW AND PAYMENT REMINDERS Track EMIs, rent, subscriptions and bills against your salary to see what's actually left. Set one-time, monthly, quarterly, half-yearly or yearly reminders with a notification 3 days before, 1 day before, or on the due date. Mark as paid in one tap; the next cycle resets itself. INVESTMENT TRACKER FD, RD, SIP, mutual funds, stocks, PPF, NPS, gold, real estate, insurance, bonds and your own custom types. See total invested, current value and expected returns with a colour-coded gain or loss, plus maturity alerts. Ongoing investments with no fixed end date are supported. IMPORTANT DOCUMENTS Keep policies, ID cards and property papers in the app — PDF, JPG, PNG, HEIC, Word and Excel. Import from Files or capture with the camera. Files are copied into the app's own private storage, with a category breakdown showing what is stored where. WIDGETS Six Home Screen and Lock Screen widgets: monthly summary, upcoming payments, quick expense total, top spending categories, outflow total, and a one-tap receipt scan. Tap any widget to jump straight to the right screen. SECURITY Face ID, Touch ID, Optic ID or your passcode locks the app once you have data in it, and again after 30 seconds in the background. Screenshots and screen recording are blocked on financial screens, and your content is hidden in the app switcher. BUILT FOR MORE THAN ONE COUNTRY 11 currencies — INR, USD, EUR, GBP, AED, SAR, CAD, AUD, SGD, JPY, DOP. 9 languages — English, Hindi, Spanish, French, Arabic, Portuguese, German, Chinese and Japanese, switchable instantly inside the app. India-specific tools such as PPF, LIC and PAN appear only when you choose INR. ALSO INCLUDED Smart notes with rich text formatting, saved calculations you can restore, iCloud sync across your devices, dark mode, and full data export and import. Requires iOS 18.

Break free from debt — one payment at a time. GoDebtFree is your all-in-one debt companion: track every loan and credit card, follow your EMI schedule, plan the fastest payoff route, and check whether you can actually afford a new purchase before you commit. KNOW WHERE YOU STAND See your total debt, monthly obligations, and disposable income on a single dashboard. No spreadsheets. No guesswork. Just clarity. NEVER MISS A PAYMENT Add all your monthly dues — rent, electricity, EMIs — and mark them paid with a single tap. Get reminded before each deadline so late fees become a thing of the past. FIND YOUR DEBT-FREE DATE GoDebtFree calculates two proven payoff strategies: • Debt Snowball — crush the smallest balances first for quick wins and momentum • Debt Avalanche — attack the highest-interest debt first to save the most money See exactly which strategy gets you debt-free sooner and how much interest you save along the way. TRACK EVERY INSTALLMENT Whether it's a personal loan, car loan, or credit card, GoDebtFree tracks every EMI. Tap any loan to see the full repayment schedule, mark instalments paid, and watch your remaining balance shrink month by month. ASK BEFORE YOU BUY Not sure if you can afford that new phone or laptop in EMI? Ask the built-in Affordability Chat. It checks your income, existing expenses, and debt minimums to give you an honest answer — before you commit. EXPORT YOUR DATA Export your debts, income, and expenses as a CSV file to review in a spreadsheet or share with your accountant. Your data, your way. SYNCS ACROSS ALL YOUR DEVICES GoDebtFree uses iCloud to keep your data in sync across your iPhone and iPad automatically — no account setup required. BUILT FOR PRIVACY Everything is processed on your device. No ads. No trackers. No data sold to anyone. WHAT YOU CAN TRACK • Home loans, car loans, personal loans • Credit card balances and minimum payments • EMI schedules with instalment-by-instalment history • Salary, freelance, and variable income sources • Fixed and variable monthly expenses Download GoDebtFree today. Your debt-free date is closer than you think.