Paycheck Debt Planner vs LedgerNests

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.*

One shared home for every household bill. Everyone sees what’s due, what’s paid and what’s coming up, on the same list and the same calendar, updated in real time. No bank linking, ever: you just type in what you owe. Invite your partner, roommates or family, and you’re all looking at the same bills. Money is easier when everyone’s on the same page. ONE SHARED VIEW FOR THE WHOLE HOUSEHOLD • Invite your household with a link from the share sheet • Everyone has their own login and sees the same bills in real time • Mark a bill paid and it’s marked paid for everyone • Choose who can edit bills and who can simply follow along EVERY DUE DATE IN SIGHT • Your Overview shows what’s due this month, what’s paid, what’s left, and anything overdue • A shared month calendar puts each bill’s amount on its due day, marked paid, unpaid or overdue • Tap any day to see its bills, mark them paid, or add a bill for that date • One-time and monthly bills, with each month tracked on its own • Seven categories: Housing, Utilities, Insurance, Subscriptions, Debt, Vehicles and Other • Flag a bill as autopay and it’s marked paid in the app on its due date • Add an account’s last four digits to see a separate summary for each card or account • Look back through the past 12 months, one month at a time REMINDERS THAT KEEP EVERYONE ON TIME • A heads-up at 9 AM your time: a week before, the day before, and the day a bill is due • A gentle daily nudge for up to five days if a bill runs late • Alerts when someone in your household adds a bill or marks one paid • Turn each type of reminder or alert on or off • Reminders and alerts are free for every new account’s first 30 days, then included with Pro PRIVATE BY DESIGN • No bank logins, card numbers or account credentials. The only account detail is an optional last four digits, so you can tell your cards apart. • Your household’s bills are visible only to your household • Lock the app with Face ID, Touch ID or your passcode • No ads, and your data is not used to track you • Delete your account from inside the app at any time MORE THAN ONE HOME, WITH PRO Keep up to 10 households, each with its own bills, members and nickname, and switch between them from your account menu. Made for landlords with several properties, a second home, a student’s apartment, or helping a parent stay on top of their bills. Reminders name the household, so you always know which home a bill belongs to. THE LITTLE THINGS • View your bills, mark them paid or make edits without a connection; changes sync when you’re back online • Light, dark or match your system • Pick a color for each category and each account on the calendar • A short guided tour helps you add your first bill FREE AND PRO Free: 1 household, 2 members including you, up to 10 bills, and reminders for your first 30 days. Pro: unlimited bills, up to 10 members per household, up to 10 households, and reminders that keep going. Bill and member limits follow the household owner’s plan. Reminders follow each person’s own plan. LedgerNests is a tracking and reminder tool. It never moves money or pays bills for you, and amounts are shown in US dollars. Questions? support@ledgernests.com LEDGERNESTS PRO An auto-renewing monthly subscription: unlimited bills, up to ten members per household, multiple households, and push reminders. Payment is charged to your Apple Account when you confirm the purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period, and you can manage or cancel it anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ledgernests.com/privacy