Subscription Manager vs DebtDate

Fixed costs and subscriptions creep. Rent, insurance, phone, utilities. Streaming, music, cloud storage, work tools you pay for every month. Each one is small. Together, they quietly erase your sense of what you can actually spend this month. Amaru brings your fixed costs and subscriptions into one place and turns them into a single number: what you can safely spend. ONE NUMBER Enter your monthly income, fixed costs, savings goal, and any yearly payments. Amaru calculates your Safe to Spend amount — the number that matters. Yearly charges like car insurance or an annual subscription are automatically converted into a monthly reserve, so one heavy month never comes as a surprise. PLANNED COSTS AND CHECK-IN See upcoming fixed costs and annual charges on a calendar. Planned dates advance automatically, so payment confirmation is never required. A short weekly check-in keeps your forecast current without daily tracking. If you want it, optional due-date tracking adds paid, overdue, and per-payment reminders from Settings. REVIEW YOUR SUBSCRIPTIONS Sort each subscription into Keep, Review later, or Cancelled. Save a cancellation link if you have one, so future you doesn't have to search for it. See how much monthly room you'd free up by cancelling what you're not sure about. Insights — the tab that shows these patterns, including how much of your income is fixed costs and which month carries the heaviest yearly payments — is free to view. Opening the Review list to sort items one by one is a Pro feature. QUIET NOTIFICATIONS Monthly forecast and weekly check-in reminders arrive quietly and never at night. Per-payment reminders appear only when optional due-date tracking is enabled in Settings. PRIVACY BY DESIGN No bank or credit card linking, ever. Everything is entered by hand and stored only on your device — nothing is sent to a server, nothing is used for analytics. Because you enter it yourself, you always know exactly what's being tracked. FREE Track up to 6 fixed costs and subscriptions with the full forecast and calendar. If you enable optional due-date tracking, set up to 2 payment reminders. AMARU PRO Unlimited fixed costs and subscriptions, a yearly view that smooths irregular payments across the year, the full Review list, CSV export, more payment reminders, and home screen widgets. Pro is available as a monthly or yearly subscription, or as a one-time purchase. Prices are shown for your App Store storefront. Subscriptions can be managed or cancelled in your App Store account settings. Amaru isn't a daily expense tracker. It's a quiet, occasional check on the money that's supposed to be fixed — but somehow keeps growing. AMARU · PRIVATE BY DESIGN · MADE QUIETLY IN JAPAN Privacy Policy: https://pomeranianstudio.com/privacy Terms of Use (EULA): https://pomeranianstudio.com/terms

How soon could you be debt-free? Add your debts and find out in 30 seconds. DebtDate shows you the exact month you'll pay off every credit card, loan, and bill — and how much sooner it happens when you pay a little extra. No signup. No bank login. No subscription. YOUR DEBT-FREE DATE Enter each debt's balance, interest rate, and minimum payment. DebtDate instantly calculates when you'll be done — one big date, front and center. That date is your goal, and everything in the app is built to move it closer. SNOWBALL VS AVALANCHE Compare the two most popular payoff methods side by side: - Snowball — smallest balance first, for quick wins and motivation - Avalanche — highest interest first, for maximum savings See exactly how much interest each method costs you and pick the one that fits how you stay motivated. THE EXTRA PAYMENT SLIDER Drag the slider and watch your debt-free date move. See in real time what an extra $50, $100, or $200 a month actually does — months or years off your timeline, and the interest savings in dollars. TRACK YOUR PROGRESS - Log payments as you make them — your plan recalculates from your real balances - Watch every balance fall on the payoff timeline chart - See per-debt payoff dates, total paid down, and percent complete - Payment history for every debt PRIVATE BY DESIGN Your debt data never leaves your phone. No account, no email, no bank connection. Delete the app and the data is gone. Debt is personal — your plan should be too. SIMPLE, HONEST PRICING DebtDate is free to use. One optional one-time upgrade unlocks unlimited debts, removes ads, and adds export — no subscription, ever. We think a debt payoff app charging you monthly is a bit backwards. WHO IT'S FOR Anyone juggling credit cards, car loans, student loans, or medical bills who wants a clear answer to one question: when will this be over? Whether you follow the snowball method, the avalanche method, or just want to see the finish line — your date is waiting. Add your debts. See your date. Make it sooner. Payoff dates and interest totals are estimates based on the information you enter — not financial advice.