PayDown vs Vadem

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.

Bills, credit-card statements, installment payments, and shared expenses—all in one app. No ads, no account to create; you always know what's due and when. BILLS • See every payment due this month—rent, electricity, water, internet, installments, insurance, subscriptions—in one list. • Your credit-card statement builds itself from your spending, based on the card's closing and due dates. • Minimum payment, full payment, partial payment, and carried-over balance are all supported. • Overdue bills show a banner; upcoming ones show "N days left." Mark as paid with one tap, undo if you need to. • Confirm a variable bill's estimated amount with one tap. • Monthly and yearly repeats, and installment series, are handled automatically. • Get a reminder 1, 3, or 7 days before the due date. GROUP • Track shared expenses for a trip, a shared home, or a group of friends: who paid, split evenly or by custom shares. • Balances are spelled out in plain language, like "$40 owed to you." • Settle up with Pay, or send a nudge with Remind. • Share a group through iCloud: everyone you invite sees the same group, can add expenses, and balances stay up to date for everyone. • Creating a group needs Vadem Premium; joining a group you're invited to is free. DAILY • Log expenses, income, and refunds with a category. • Track cash, card, bank, or prepaid meal-card payments separately. • Add installment purchases and search your history. WALLET • See your bank accounts and prepaid meal cards in one place, in multiple currencies. • Amounts show in your own currency, picked up from your device on first launch; change it anytime in Settings. • Track your net worth at a glance. • Log your meal-card top-ups each month. ANALYSIS • See whether this month's bills fit your pay: "Enough" or "Short." • Track how many days are left until payday. • See spending by category, and how it changes month to month. • Set a budget per category and see what's left, or where you've gone over. PRIVACY FIRST • No account, no ads, no tracking. • The cards, expenses, and amounts you enter stay on your device and in your own iCloud account—never on our servers. • Hide amounts behind a 4-digit PIN. WHO IT'S FOR • Anyone juggling credit-card installments and monthly bills • Employees who get paid on a set day of the month • Roommates, couples, and groups of friends splitting shared costs • Anyone who wants to stay away from bank-app clutter and ads FREE AND PREMIUM Bills, Daily, Wallet, Analysis, reminders, PIN, and iCloud sync are free. On the free plan you can add 3 credit cards and 3 bank accounts. With Vadem Premium: • Create a group and share it through iCloud • Export your data as CSV • Add unlimited credit cards and bank accounts Vadem Premium is offered as a monthly or yearly auto-renewing subscription, with a 7-day free trial on the yearly plan. Payment is charged to your Apple ID when you confirm the purchase. The subscription renews automatically for the same length and price unless canceled at least 24 hours before the end of the current period. You can manage or cancel it in your App Store account settings. Download Vadem and keep your bills, statements, and debts in one place. Privacy Policy: https://vadem.alicaglar.net/gizlilik/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://vadem.alicaglar.net/destek/