SpendCents vs PurchaseGuard v1

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends. THE NEXT DOLLAR The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided. YOUR DEBT-FREE DATE Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears. BOTH ROUTES, SIDE BY SIDE Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order. A BUDGET THAT FEEDS THE PLAN Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap. EVERY PAYMENT, SPLIT HONESTLY Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going. PLAIN ENGLISH APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for. NOTHING IS CONNECTED TO YOUR BANK You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like. SPENDCENTS PRO (optional subscription) The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds: - What-If Studio: save and compare payoff scenarios side by side - Windfall Planner: the best home for a bonus, refund or gift - Interest Ledger: interest paid against interest avoided, over time - A 12-month forecast table for the whole plan Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription. SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice. Privacy Policy: https://preview.apppublishing.ai/legal/365/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/365/terms

Every online order comes with a clock you can't see. PurchaseGuard makes it visible. Add a purchase in seconds — photograph the receipt with the in-app camera, choose one from your library, or type it in — and PurchaseGuard works out when the return window closes and when the warranty runs out. Then it reminds you before either one does. SEE WHAT IS STILL PROTECTED The dashboard leads with Purchase Value Protected: the money still eligible for a refund, exchange or warranty claim. Alongside it sits what is at risk this week and how reliably you act before a deadline lapses. DEADLINES FILLED IN FOR YOU Pick the retailer and the return window is applied from its published policy — 30 days at one store, 90 at another, 15 at the next — with a 12-month warranty as the default. Every number stays editable, because your receipt is the real authority. REMINDERS ON YOUR LADDER Choose your own lead times — 30, 14, 7, 3 or 1 day before a return closes, and the same for a warranty expiring. They arrive on this device. There is no push server, no SMS, and reminders are never behind the paywall. YOUR PURCHASE TIMELINE Every item in one chronological list with its photo, retailer, days remaining and a colour-coded status: protected, action needed soon, deadline today, or expired. Search it, filter it, and act on any row. AN ADVISOR FOR THE HARD ONES Not sure whether to keep it? Answer five quick questions — used, packaging, damaged, wrong size or colour, restocking fee — optionally attach a photo of the damage, and get a clear call: Keep It, Exchange It, Return It, or File a Warranty Claim, each with plain-language reasoning and a transparent 0-100 urgency score you can see the workings of. PRIVATE BY DESIGN Your purchases live in your own account. There is no email or inbox scraping, no bank connection, and no data sale. Product photos stay on your device and are never uploaded. A receipt or damage photo is read once for its text and then discarded — never stored. PURCHASEGUARD PRO (optional subscription) The whole safety net — reminders, automatic return windows, warranty tracking and the protected-value headline — is free. Pro adds the depth: - Unlimited tracked items (free covers 5 active) - Money-protected trends over time - Category and retailer breakdowns - The price-adjustment radar and recovery-rate history - Export a protection report $4.99 per month or $49.99 per year, with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription renews automatically unless it is cancelled at least 24 hours before the current period ends; manage or cancel it in your Apple ID settings. RETURN WINDOWS ARE TYPICAL PUBLISHED POLICIES, NOT PROMISES PurchaseGuard is an awareness tool. Retailers change their terms, and individual items and receipts can differ. Always check with the retailer before you rely on a date. Nothing here is financial advice. Privacy Policy: https://preview.apppublishing.ai/legal/98/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/98/terms