DebtMelt vs Oweit

Your debt-free date is a launch date — and DebtMelt counts down to it. Enter your debts by hand (no bank linking, ever), pick snowball or avalanche, and see the exact day you hit $0. Every payment moves the date closer. No bank password. No ads. Just the math and the mission. ONE EXACT DEBT-FREE DATE Most debt apps bury you in budgets, categories, and charts. DebtMelt gives you the one number that matters: the date you will be free. Add each balance, its interest rate, and its minimum payment, set what you can pay per month, and DebtMelt computes your exact touchdown date and a live T-minus countdown. Every screen orbits that single number. MANUAL ENTRY. NO BANK LINKING. DebtMelt never asks for your bank password. There is no account aggregation and no third-party linking service holding a credential that can be breached. You type your debts; the payoff math runs on your device. Manual entry isn't a limitation — it's the trust the app is built on. (No sign-up either: your debts stay on your device and work right away. Add a free account only if you want them synced across your devices.) SNOWBALL OR AVALANCHE, SIDE BY SIDE Knock out your smallest balance first for momentum (snowball), or attack the highest interest rate to pay the least interest (avalanche). Premium puts both strategies side by side — two dates, two interest totals, one clear delta — so you can pick the burn that keeps your intensity up. WHAT-IF EXTRA PAYMENTS What happens if you add $50 a month? With Premium's what-if engine, step the extra payment up and down and watch your debt-free date move closer in real time, with the interest you save computed instantly. Every spare dollar becomes visible progress. LOG PAYMENTS, WATCH THE DATE MOVE Record each payment as you make it. DebtMelt updates the balance, recomputes the descent, and tells you exactly how many days closer your touchdown just moved. Paying down debt stops feeling endless and starts feeling like a countdown. MILESTONE CELEBRATIONS Every debt you extinguish is a stage separation. Premium celebrates your milestones — first payment logged, 25/50/75% melted, each debt paid off — so a long mission stays motivating from ignition to touchdown. FREE vs PREMIUM Free: up to 2 debts, one strategy at a time, your exact debt-free date + T-minus countdown, payment logging, monthly budget. Premium (a monthly or yearly subscription, priced in your currency on the App Store): unlimited debts, snowball vs avalanche side by side, what-if extra payments, milestone celebrations. NO ADS, EVER DebtMelt is a single-purpose instrument, not an ad platform. No banners, no "sponsored debt relief," no upsell to a loan. Download DebtMelt, enter your debts, and get your launch date. T-minus every payment. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://debtmelt.djump.io/privacy

Never forget who owes what, and keep your personal finances under control. OweiT is a simple and intuitive app for tracking debts, shared expenses, recurring payments, and personal accounting in one place. This version introduces a new personal accounting section: record expenses and income, organize operations by category, view your monthly balance, compare statistics, and better understand where your money goes. Use OweiT with friends, family, roommates, coworkers, or just for yourself. Whether you are splitting a restaurant bill, collecting money for a birthday gift, planning a trip, lending money, tracking monthly expenses, or recording income, OweiT helps keep everything clear and organized. Features • Track who owes whom • Create groups for shared expenses • Automatically calculate each person’s share • Track recurring and upcoming payments • Personal accounting for expenses and income • Organize operations by categories • View monthly balance, income, expenses, loans, and repayments • Compare current month statistics with the previous month • Use calendar-based transaction history • Work with multiple currencies and exchange rates • Choose favorite currencies for faster entry • Mark payments as completed • View outstanding balances at a glance • Get helpful financial tips • Clean, fast, and easy-to-use interface • No spreadsheets or complicated budgeting Perfect for • Friends splitting bills • Roommates sharing expenses • Group trips and vacations • Birthday and holiday gifts • Family expenses • Personal loans • Recurring bills and subscriptions • Monthly expense tracking • Personal income and balance tracking • Everyday personal accounting Stop chasing messages and trying to remember who paid. Let OweiT do the math, track your payments, and help you understand your money.