Paycheck Debt Planner vs Expense Tracker

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.*

SpendSense is the expense tracker built for people who don't want their financial data anywhere but their own device and their own iCloud. No sign-up. No ads. No analytics. No tracking. Just a clean, fast way to see where your money goes — completely private, completely free. Track Everything, Effortlessly • Log expenses, income, and savings — with savings tracked completely separately from everyday spending to protect your cushion • Scan receipts with on-device OCR — amounts, dates, and merchants extracted automatically, right on your phone • Create your own custom main categories and subcategories to organize your ledger exactly how your brain works Never Miss a Bill • Set up recurring transactions for rent, subscriptions, and bills — daily, weekly, monthly, or custom • Get a gentle reminder the day before something's due • Get notified when you're approaching a budget limit — before you go over, not after Real Insights, Not Just Numbers • Monthly budget health at a glance with interactive progress indicators • Full spending overview across 1 month, 3 months, 6 months, or a full year — see trends unfold over time, not just this month • Smart behavioural insights — plain-English highlights pointing out shifts in your spending Truly Private • Your data syncs only through your own private iCloud account • Nothing is ever sent to us — because there is no "us" collecting anything • No account creation, no email required, ever Your Data, Your Way • Export your full transaction and recurring history to CSV — opens instantly in Excel, Numbers, or Google Sheets • Home screen widget shows your balance and spending status without opening the app Your App, Your Aesthetic • Switch between a bold gradient dashboard with colorful summary cards, or a flatter, minimal layout — whichever fits how you like to see your numbers • Toggle colorful card backgrounds on or off to match your style Whether you're tracking a tight budget, managing recurring bills, or just want to finally see where your paycheck goes over the long run — SpendSense does it without asking for anything in return.