Paycheck Debt Planner vs BBP

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.*

Bills By Paycheck — know exactly which paycheck covers every bill. Most budget apps organize your money by month. Bills By Paycheck organizes it the way you actually live: paycheck to paycheck. Every payday gets its own bucket, every bill lands under the check that covers it, and you always know what's due, what's handled, and what's left over. YOUR DATA STAYS YOURS Bills By Paycheck never connects to your bank. No account linking, no credentials, no third-party data aggregators — just your plan, stored in your own iCloud. PLAN AROUND YOUR PAYCHECKS • Set up any pay schedule — weekly, biweekly, semimonthly, monthly — with multiple income sources • Bills sort automatically under the paycheck that pays them, with an adjustable lead-time cushion • Split a large bill across two paychecks, or carry surplus forward to cover something bigger down the road • Track everyday expenses right alongside your bills, interleaved by date in each bucket • Assign bills to specific bank accounts so you always know where the money is coming from STAY ON TOP OF EVERY BILL • Add bills fast with a built-in catalog of well-known billers — names, websites, and categories auto-fill, complete with logos • Create custom categories for bills and expenses that don't fit the built-in ones • Mark bills paid or cleared, hide what's done, and jump straight to a biller's website to pay • A full calendar view shows every due date at a glance across the month • Get reminded before bills are due, plus alerts if something slips past due SAVE, SET GOALS, AND PAY DOWN DEBT • Automatic Savings sets aside a percentage of every paycheck as its own line item • Savings Goals let you set specific targets — emergency fund, vacation, car — and track your progress toward each one • The Debt Payoff Calculator shows exactly when each balance hits zero, using avalanche or snowball strategies, with a month-by-month payoff timeline • The Savings Report shows your yearly total and a month-by-month chart of what you actually put away SEE THE WHOLE PICTURE • Bill, Expense, Savings, and Debt Payoff reports with clean charts • Track credit card balances, interest rates, credit limits, and promotional APR periods — balance history charts show your paydown progress over time • Print or export PDF reports: a monthly bill checklist, a page-per-paycheck breakdown, and a credit card balance report • Export bills to CSV for Numbers, Excel, or any spreadsheet app WIDGETS, SYNC & PEACE OF MIND • Home Screen widgets for upcoming bills, your next paycheck, monthly spending, savings, and credit utilization • iCloud sync keeps every device up to date • Share with a partner — they see your bills and paychecks in real time on their own device, with read-only access so your data stays in your control • Face ID, Touch ID, or passcode lock keeps your finances private • One-tap backup and restore, with optional reminders so you never forget FREE — REALLY Every feature is free. A single one-time purchase removes ads. No subscriptions, ever.