SnowballPay vs BrightPathDebtPath

Give each debt a clear next step. Plan minimum payments and extra principal, keep actual payments separate, and compare debt payoff estimates without connecting a bank account. PLAN EACH DEBT With Pro, choose recurring daily, weekly or monthly dates for each debt. Use its current minimum or a fixed minimum, then add an extra principal amount. Choose several dates, the last day of the month or a particular weekday. Short months adjust to their last day and return to your chosen dates afterward. RECORD WHAT YOU ACTUALLY PAID Review the amount and minimum/extra split before recording a payment. Creating, pausing, skipping or stopping a schedule does not change your balance. No automatic bank payments, money transfers or bank sync. Your lender decides how actual payments are applied, including interest and fees. SEE THE NEXT STEP Find recurring schedules from Today or the debt itself. Choose private on-device reminders, including lead time and time of day. Notifications require permission; open the app regularly to refresh upcoming reminders. Keep revisions and skipped or recorded occurrences in schedule history. COMPARE YOUR PAYOFF PLAN Compare snowball, avalanche and a custom priority. Plan around your payday budget, save scenarios and explore extra payments or a target payoff date. Payoff projections use the monthly minimums and extra budget in Plan; recurring dates are a separate tracking and reminder tool. KEEP A CLEAR RECORD Search and categorize debts. Review statements with a before/after preview and reversible corrections. Keep corrections separate from payments. Edit actual payments without inventing a split for older records. Export PDFs, CSV plans and activity reports, including recurring history. Import a debt CSV with preview and duplicate checks. Keep a complete private JSON backup; import adds missing records without replacing newer local balances or settings. FREE AND PRO Free supports two debts, manual payments, statement review, due days, basic progress and private backups. Pro adds unlimited debts, recurring schedules, detailed projections, strategy comparisons, payday budgets, scenarios, custom priority, target-date planning, insights, reminders, charts and PDF/CSV reports. Monthly, yearly and lifetime options unlock the same Pro features. Existing records remain available. Help shape future platform support with an optional survey. Review what is sent before sending, skip it freely or remove your vote later. Financial records stay on your device. No bank login, advertising trackers or analytics account is required. Support messages include only the diagnostics you can review before sending. Keep backups somewhere private; deleting the app can remove its local data. Estimates depend on what you enter and can differ from lender statements. SnowballPay is a planning tool, not financial advice. Subscriptions renew until cancelled. The purchase screen shows your localized price and billing period. Apple charges your Apple Account. Manage or cancel in Settings > Apple Account > Subscriptions; cancellation applies at the end of the period. Lifetime is a one-time purchase. Privacy: https://innovalabworks.com/a/snowballpay/privacy Terms: https://innovalabworks.com/a/snowballpay/terms Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Debt payoff should feel clear—not overwhelming. BrightPath DebtPath helps you compare payoff strategies, understand interest and fees, and turn estimates into a practical monthly action plan. Enter your debts manually, adjust every assumption, and see how different payment choices may affect your path. Now with native iPhone and iPad layouts. PLAN WITH CLARITY • Add credit cards, personal loans, auto loans, medical debt, and other balances • Compare snowball, avalanche, and custom payoff orders • See estimated payoff dates, interest, fees, and total payment time • Model monthly or daily-simple interest • Account for promotional APR deadlines and recurring fees • Add recurring extra payments and one-time boosts • Edit every calculation assumption KNOW WHAT TO DO NEXT • See suggested payment amounts for the upcoming month • Identify minimum payments that may not cover estimated interest and fees • Catch promotional-rate deadline risks • Test how reducing your extra payment by 20% could affect the timeline • Follow a projected payoff calendar and milestones TRACK REAL PROGRESS • Record payments with principal, interest, and fee breakdowns • See progress against original balances • Schedule optional monthly and due-date reminders • Export debts, scenarios, boosts, and payment history as CSV PRIVATE BY DESIGN • Your plan is stored locally on your device; it does not sync between devices • No account, bank connection, or credit check is required • No advertising or third-party analytics SDKs • Optional Face ID, Touch ID, or device-passcode protection • On eligible devices, Apple Intelligence can explain already-calculated results privately on device • An offline explanation remains available when Apple Intelligence is unavailable FREE AND PRO The Free tier includes unlimited debt records, all three payoff strategies, one saved scenario, payoff calendars, progress tracking, reminders, plan-health insights, CSV export, and private explanations. DebtPath Pro unlocks unlimited saved scenarios with a one-time lifetime purchase. The current offer has no subscription or automatic renewal. Apple shows your local price before purchase. Existing monthly subscribers retain access while their subscriptions remain active under their existing renewal terms. Manage existing subscriptions through your Apple Account; a lifetime purchase does not cancel a subscription. BrightPath DebtPath provides educational estimates only—not financial, legal, tax, credit, or lending advice. Actual lender rules, compounding, statement timing, promotional terms, fees, minimum payments, and payment allocation may differ. Confirm payment and payoff instructions with each lender. CSV exports are summaries, not restorable backups. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/