DebtPilot vs Debt Ladder

DebtPilot is the simplest way to make a plan and pay off your debt for good. Add what you owe — or just scan a bill or statement — choose a strategy, and DebtPilot shows you exactly what to pay each month, when you'll be debt-free, and how much interest you'll save. No jargon, no spreadsheets — just a clear plan you can follow, with progress and rewards that keep you going. WHAT YOU GET FREE • Scan a bill or import a PDF — snap a photo or pick a statement and we fill in the balance, rate, and payment for you. Processed on your device; nothing is uploaded. • Two proven strategies — Snowball (knock out your smallest balance for quick wins) or Avalanche (target your highest rate to save the most). Or set your own custom order. • Your debt-free date — see the exact month you'll be free, with a progress ring and a live countdown on your Lock Screen and Dynamic Island (Live Activity). • "This month" plan — know exactly what to pay on each debt, and log payments with one tap, by amount, or with Siri ("Hey Siri, log my DebtPilot payment"). • Quick extra payments — drop a one-time "snowflake" payment on any debt and watch your date move closer. • Due-date calendar & reminders — see everything due this month at a glance. • Loan & amortization calculator — see where every payment goes, including mortgage escrow, principal vs. interest, and lifetime interest. • Month in Review — a monthly recap of what you paid down and how far you've come. • Achievements, badges & streaks — stay motivated and share your progress. • Home & Lock Screen widgets, color themes, an interactive tutorial, and a Learn section in plain English. • iCloud sync — your plan follows you to a new phone, automatically. • Private by design — everything stays on your device. No account, no tracking, nothing collected. DEBTPILOT PREMIUM (optional) Go faster with the full toolkit: • Rate Negotiator — see what a lower interest rate could save you, with a word-for-word script to ask your lender for one. • Planning tools — simulate extra payments and a one-time lump sum, and set a target payoff date. • Budget simulator — enter your income and expenses to find the best amount of leftover money to put toward debt, while keeping a safety cushion. • Interest-saved breakdown — charts showing exactly how your plan beats paying minimums. • Refinance / rate "what-if" — see if a lower rate or balance transfer is worth it. • Payoff projection charts and per-debt month-by-month schedules. • Export & print your plan as a PDF, or to a spreadsheet (CSV), and track unlimited debts (free covers 3). DebtPilot is an educational planning tool to help you organize and pay down debt. Figures are estimates and it is not financial advice. Start your plan today — your debt-free date is closer than you think. — — — DebtPilot is free to download and use. DebtPilot Premium is an optional subscription: • Monthly — $4.99 • Yearly — $29.99 Payment is charged to your Apple Account at purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the period; manage or cancel anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://aganfinancial.com/privacy

See the exact date you stop owing money — then watch it move closer. Debt Ladder turns your cards and loans into one clear payoff plan. Enter each balance, its interest rate, and the minimum payment once, set what you can put toward debt each month, and Debt Ladder works out the rest: the order to pay in, the month every debt clears, and the total interest you will pay getting there. SNOWBALL OR AVALANCHE, ON YOUR REAL NUMBERS • Snowball clears your smallest balance first, so the wins arrive early and momentum builds • Avalanche attacks the highest interest rate first, so you pay the least interest overall • Compare the two side by side and see the difference in months and in interest, worked out on your balances rather than on somebody's example EXTRA PAYMENTS ARE THE POINT Put a little extra on a card this month? Log it against any debt, on any day, for any amount. The whole plan re-projects the moment you save it: new payoff order, new debt-free date, new interest total. Every extra payment shows up as time bought back, which is the only reason anyone keeps making them. A MONTHLY CHECK-IN THAT TAKES A MINUTE This month's payments are already listed. Tap the ones you made, correct anything that came out different, and your balances update. The progress bar tells you where you actually stand: how much you have paid down, how far along you are, and the month you finish. WHAT-IF, BEFORE YOU COMMIT • Move a slider to see what paying a bit more every month does to your debt-free date • Drop in a one-off payment — a tax refund, a bonus, a side job — and watch the date jump • Switch strategies and see immediately what it saves or costs you YOUR NUMBERS STAY YOUR NUMBERS No bank linking. No account to create. No sign-up, no ads, no upsells to a lender. Your balances, rates, and payments live on your phone, which is where something this personal belongs. WHAT YOU GET FOR FREE Up to three debts, either strategy, the full monthly check-in, your debt-free date, and payment reminders. A complete tool at zero, not a demo that stops at the interesting part. DEBT LADDER PRO • Unlimited debts and loans • Snowball vs avalanche comparison, side by side • What-if sliders and one-off payment simulations • Interest-saved projections and the balance-over-time chart WHO IT IS FOR Anyone paying down credit cards, a car loan, student loans, a personal loan, or the family member you still owe. Whether you are following the snowball method, the avalanche method, or just trying to work out which one finishes sooner. Debt Ladder is a planning tool, not financial advice. It does careful arithmetic on the numbers you give it and shows you the result; what you do with that is your call. Pro is available as a monthly or annual auto-renewing subscription, or as a one-time Lifetime purchase. The annual plan opens with a 7-day free trial. Prices are shown in your own currency before you buy. A subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period; manage or cancel any time in your App Store account settings. Any unused part of a free trial is forfeited when you buy a subscription. Debt Ladder is made by Adelyons Software LLC. Questions or feedback? Email dev@adelyons.com. Terms of Use (EULA): https://adelyons.com/apps/debtladder/eula.html Privacy Policy: https://adelyons.com/apps/debtladder/privacy.html