Cushion vs PayDown

Most budgeting apps want your bank login. Cushion doesn't. It answers one question instead: how much can you safely spend before your next paycheck? No bank connection. Ever. Cushion works without linking your bank account. Add your balance, your paydays, and your bills by hand — or snap a photo of a bill and on-device AI reads the biller, amount, and due date for you. Your money data never leaves your phone. One number that matters See your safe-to-spend front and center — what's free to spend right now after every upcoming bill and your own safety buffer. It updates the moment a bill is paid or a paycheck lands. See the dip before it happens Cushion forecasts your balance day by day to your next payday and warns you before a bill drops you too low. "After the $180 car payment on the 14th, you're projected to dip to $43." Plan with confidence Stage a what-if purchase, plan an incoming paycheck, and watch the impact instantly. Get bill reminders and a payday countdown right on your Lock Screen. Not financial advice — just your own numbers, forecast clearly. No account required. Works offline. Private by design. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://brainrash.com/apps/cushion/privacy

Every payment. One schedule. A date you'll be done. PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free. PASTE OR SPEAK Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever. ONE SCHEDULE Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it. YOUR DEBT-FREE DATE A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month. PAY IT OFF FASTER Avalanche vs. snowball, compared in actual dollars of interest saved. SAFE TO SPEND See what's actually yours between now and payday, after everything due clears. CAN I AFFORD IT? Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date. HOME SCREEN WIDGET Your next payment and debt-free date, on your home screen. PRIVATE BY DESIGN Your data lives on your phone. No bank credentials, no required account, no ads, no selling data. Not just pay-later plans: car loans, student loans, credit cards, rent, and any other bill go on the same schedule, with one date that tells you when you are done.