OTOBILL vs DebtAway

OTOBILL is your wallet for everyday bills and identity checks in Nigeria. Pay airtime and mobile data on all major networks. Buy electricity (prepaid and postpaid), cable TV, and exam pins. Verify NIN and BVN, apply for CAC registration, and keep receipts in one place. Fund your wallet, track transactions, and get alerts when payments complete. Sign in with email or phone. Face ID is optional for faster unlock. Download NIN and BVN slips when you need them. OTOBILL is built by FURACOMP TECHNOLOGIES LTD (RC 8588103). Support: support@otobill.com

DebtAway is a debt manager: every loan and instalment plan in one place, and every extra payment shows you how much sooner you are debt free. For each debt you enter the balance, the interest rate and the monthly payment, whether it is a personal loan, a car loan, a student loan, a credit card or a buy now, pay later plan. The app works out how many months are left and the day the debt is paid off. The pad on the first screen is the debt: one sheet per month, and every payment takes sheets off. Pay more than the instalment and you see first how many days you bought yourself, then the interest saved. On the payoff schedule a band shows which part of each payment goes to interest and which part lowers the balance. Everything stays on the device. No account, no server, no bank connection, no advertising, no subscription. Free: two debts, the time left and the payoff date, extra payments, the payment history, the interest band on the payoff schedule, light and dark. DebtAway Pro, bought once: unlimited debts, the interest saved in your own currency, the full payoff schedule, a backup as a file, a home screen widget. If the payment does not cover the monthly interest, the app says so instead of inventing a date. The figures in the screenshots are sample data.