Paycheck Debt Planner vs BudgetExplora

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.*

BudgetExplora is a personal finance app with AI-powered financial insights, flexible budget periods, debt payoff planning, and a design that makes managing money feel like progress — not punishment. AI-Powered Financial Insights — Explora Explora is an AI financial analyst built into BudgetExplora. Ask it about your cash flow, your spending habits, your debt payoff progress, or your monthly trends. It answers with specific data from your own financial history — not generic budgeting advice. Explora provides spending pattern analysis, predictive cash flow alerts, subscription audit insights, and personalized financial coaching. It is powered by advanced AI and trained on your transaction data. Flexible Budgeting — Weekly, Fortnightly, Monthly & More Build a budget aligned to your actual pay cycle. BudgetExplora supports weekly budgets, fortnightly budgets, monthly budgets, quarterly budgets, annual budgets, and custom periods. Choose zero-based budgeting, classic category budgeting, or a spending plan style. Add automatic rollover logic and payday-aligned resets. Debt Payoff & Savings Goals → Debt snowball and debt avalanche payoff planning → Loan tracking and credit card debt management → Emergency fund goal tracking → Sinking funds and savings challenges → Financial targets with progress visualization Expense & Income Tracking → Expense tracker with custom categories and groups → Income tracking for salary, freelance, and irregular income → Bill tracker with due-date alerts and bill reminders → Subscription tracker and recurring payment monitoring → Shopping list integrated with your budget Life Features → Couples budgeting with real-time partner sync (Nexus workspace) → Travel budget and trip expense tracking → Household budgeting for families → Financial Power Score (FPS) — your financial strength in one number → Summit of Legends — milestone recognition for consistent users Private, Manual, and Bank-Free BudgetExplora does not connect to your bank. Every transaction is entered manually, giving you complete control over your financial data. No data selling. No advertising. No third-party aggregators. The most private personal finance app you'll use. Download free. 7-day free trial included with premium. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://budgetexplora.shop/privacy-policy/ Terms of Service: https://budgetexplora.shop/legal/terms-of-service/