还款助手 vs Payoff Path

还款助理——你的个人债务与账单管理助手 还在为多笔贷款、信用卡账单头疼？还款助理帮你把分散的债务集中管理，让每一笔待还、每一份收入都清晰可查，还款更有计划、生活更有底气。 【财务概览，打开即知】 • 本月待还、本月收入、本月盈余一屏呈现 • 逾期笔数、剩余本金、预计还清时间实时更新 • 收支趋势图表，财务状况一目了然 【账单管理，清晰有序】 • 支持信用卡、房贷、车贷、消费贷、网贷等多种类型 • 录入贷款信息后自动计算还款计划，期数、月供、利息清晰可见 • 随时查看、编辑、搜索账单，多笔债务轻松掌控 【收入记录，收支平衡】 • 记录工资、兼职等各类收入来源 • 结合待还金额分析收支情况，帮助制定合理还款节奏 【月度报表，趋势可视】 • 月度财务报表整合收入与还款数据 • 图表展示收支变化，辅助你做出更从容的财务决策 【还款智能分析】 • 全面分析债务结构与还款进度 • 月度现金流、还款里程碑、债务优先级一目了然 • 支持提前还款模拟，帮你评估不同还款策略的效果 【贴心提醒，不再逾期】 • 账单到期前可自定义提前提醒天数与提醒频率 • 支持轻度、标准、高频等多种提醒方案 • 每月 1 日自动汇总当月账单，重要节点不错过 • 推送通知及时送达，还款日提前知晓 【会员服务】 • 普通用户可免费管理 3 个账单 • 订阅会员可无限添加账单，解锁完整还债工具与高级功能 • 支持 App Store 内购订阅，可随时取消自动续费 【安全与隐私】 我们重视您的数据安全，账户信息加密存储，仅用于为您提供账单管理与提醒服务。 立即下载还款助理，从今天开始，轻松管理每一笔财务。 官网：https://www.repayment.cn 支持：https://www.repayment.cn/support 隐私政策：https://www.repayment.cn/privacy 用户协议：https://www.repayment.cn/terms 许可协议（Apple 标准 EULA）：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Keep every loan, credit card and line of credit in one place, and find out exactly when you'll be debt-free. Enter your monthly budget and the app simulates your payoff with daily interest calculations. It also tells you ahead of time whether your cash will last until payday. There's no limit on the number of loans, and all the calculations and records are free. ■ Will it last until payday? (Premium) • Home shows whether your cash will last until your next payday, with an alert 3 days before you're likely to run short • Forecast balances per account (bank, cash, e-wallet), credit card bills and installment plans together • An "Until payday" widget, and export to the iPhone Calendar ■ Home • Total balance, progress, this month's payments, payoff date and the interest still to come, at a glance • A checklist for this month: target, paid so far and what's left for each loan • Balance breakdown (pie chart) and balance over time (actual and forecast) ■ Payoff simulation • Set a total monthly payment and compare "minimums only", "highest rate first" (avalanche) and "smallest balance first" (snowball) • When a loan is paid off, its payment automatically rolls over to the others • Add extra in bonus months, or work back from a target date to find the monthly amount you need • Compare with refinancing or consolidating ■ Payment history • Record payments for several loans at once, and correct interest or balance to match your statement • Handles additional borrowing and balance adjustments • Reports show how your balance changed over any period, split into principal and interest ■ Payment calendar • See due dates, payments made, overdue items and new borrowing month by month • Due dates that fall on a weekend can move to the previous or next business day ■ Flexible terms • Promotional (introductory) rates and rate changes • Payments on a fixed day each month, or every 35 days • Works with your local currency ■ Private by design • Your data stays on your device (iCloud sync only if you turn it on) • Face ID lock, due date reminders, home screen widget • Backup export and restore • Lock screen widgets • Export your history and payoff plan as CSV • Milestone celebrations at 25%, 50% and 75% paid ■ Premium (one-time purchase) • Removes ads • Cash flow calendar: add your salary and bills to see whether you'll have enough on each due date • Home and widget show whether your cash lasts until payday, with an alert 3 days before you run short • Balances per account, credit card bills and installment plans • Save and compare payoff scenarios, including one-off extra payments • A printable PDF of your loans and payoff plan • Milestone cards • Export due dates and planned income/expenses to the iPhone Calendar • Alternative app icons that don't look like a debt app • Import planned expenses into the monthly payment memo ※ Results are estimates. Check your actual interest and amounts due with your lender. ※ This app does not recommend borrowing or refinancing.