BNPL Guard vs PayDown

Four payments here, three payments there - Buy Now Pay Later debt hides in a dozen apps. BNPL Guard puts every plan on one calendar, so "phantom debt" can't sneak up on you. TRACK EVERY PLAN, PRIVATELY - Add plans from Klarna, Afterpay, Affirm, Zip, PayPal Pay in 4, Sezzle or any service - Enter it once: total, payments left, amount, next due date - No bank connection, no account, no data leaves your iPhone - ever ONE CALENDAR FOR EVERYTHING - See this week's and this month's total due at a glance - A unified calendar shows every upcoming payment across all services - Mark payments done and watch your balance shrink STAY AHEAD OF DUE DATES - Optional reminders the day before each payment (Pro) - Payoff celebrations when a plan reaches zero BREAK THE CYCLE - Log the BNPL offers you resisted and watch your avoided-debt total grow EXPORT - PDF payment schedule you can save or share (Pro) PRICING Free to download - track up to 2 active plans forever. BNPL Guard Pro unlocks unlimited plans, reminders, and PDF export: $2.99/month or $14.99/year, each with a 7-day free trial. BNPL Guard only tracks what you enter yourself. It doesn't connect to any BNPL provider or bank, and it never offers financial advice. Privacy Policy: https://goonobu-dot.github.io/batch13-pages/bnplguard/privacy.html Support: https://goonobu-dot.github.io/batch13-pages/bnplguard/support.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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.