Debt Payoff Planner vs Owed.today

Debt Payoff Planner helps you get out of debt with a clear plan. See exactly when you could be debt-free and which debt to pay off first. Choose the debt snowball method (smallest balance first) or the debt avalanche method (highest interest first). Both are included. Add extra payments and watch your debt-free date move closer while your total interest drops. HOW IT WORKS - Add each debt: balance, interest rate (APR), and minimum payment - Pick snowball or avalanche and see your payoff order instantly - Log each payment and watch your balances fall - Track progress toward a single debt-free date FEATURES - Snowball and avalanche payoff plans, both included - Debt-free date and total interest, calculated as you type - Extra-payment calculator: see the interest you save and the months you cut - Payment tracking that updates your balances automatically - Progress chart of your projected balance over the coming months - Payment due-day reminders so a payment never slips - Works fully offline and keeps your data on your device - Great for credit card debt, student loans, auto loans, personal loans, and more WHO IT'S FOR Whether you are paying off credit card debt, student loans, or several balances at once, Debt Payoff Planner turns "how long will this take?" into a clear payoff date and a simple monthly plan you can stick to. A cleaner alternative to a debt snowball spreadsheet. Note: payoff dates and interest are estimates based on the balances and rates you enter. Your actual lender terms may differ. Start your payoff plan today and take control of your debt.

Know what you're owed. Log a shift and Owed prices it to the cent, overtime included. Built for pay that changes by day and job: weekend rates, two employers, overnights that cross midnight. On payday, compare your number with your payslip's. No spreadsheet, no guessing. WHAT OWED DOES • A rate for every day. Set weekend and overtime rates once; Owed applies them to every shift automatically. • Multiple jobs, kept straight. Hours and overtime are counted per job, never mixed, so each payslip reconciles on its own. • Overnight shifts, automatically. A shift that crosses midnight splits and prices correctly, including a different rate on the far side. • Weekly, fortnightly or four-weekly. Set how you're paid once, and every total groups the way your payslip does. • The payday compare. Your number beside your payslip's, to the cent. Scan the payslip or type the figure in. • Owed shows its working. Every shift split into its segments: the hours, the rate, the overtime, what each part earned. • Payday reminder. A quiet nudge the morning after your pay period closes, so the compare is waiting when your payslip lands. • Pay history and your pay record (Owed in Full). Your pattern period by period, and a PDF or CSV of any period to keep or to send. YOUR DATA IS YOURS No account, no sign-up. Your shifts stay on your phone and sync through your own iCloud. No one else gets a copy. FREE TO USE, MORE IF YOU WANT IT The ledger, every rate, the payslip scan and the payday compare are free. Owed in Full unlocks your pay history and your pay record: monthly, yearly, or one payment that's yours for good. Your choice. Owed in Full is a subscription (monthly or yearly, with a free trial on the year) or a single lifetime purchase. Subscriptions renew until you cancel in your App Store settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Owed is a personal record based on the figures you enter, not legal or financial advice, and not an official pay record.