Fade vs PayoffPath

Track what you owe. Watch it disappear. Fade is a calm, private debt tracker that helps you see what remains and how far you have come. Add your debts manually, record payments, and watch your progress toward zero. A CLEAR VIEW OF YOUR DEBT Track mortgages, loans, credit cards, and other debts. Keep remaining balances, original amounts, payment history, and notes together. View totals and progress separately for each currency. EVERY PAYMENT COUNTS Record a payment and see your remaining balance decrease. Follow your progress with charts and milestones. Your monthly recap shows recorded balance reductions, payment and debt counts, and debts recorded as cleared. Turn on an optional monthly reminder to record a payment you have already made. YOUR YEAR IN FADE Revisit your recorded progress with Year in Review. Explore balance reductions, active months, your strongest month, and recorded debt completions separately for each currency. Share an image recap, with amounts omitted by default. Reviews reflect the records retained in Fade. PLAN YOUR WAY TO ZERO Add an interest rate and monthly payment to see an estimated payoff date and repayment details. Add a promotional rate and end date to account for an introductory offer. Estimates use the rates and payment you enter; actual lender balances, fees, and schedules may differ. PLAN AND WATCH Explore the new Plan tab for a payoff summary, individual timelines and explanations when estimates change. With Fade Lifetime, compare repayment strategies and schedule future budget changes. APPLE WATCH With Fade Lifetime, see progress, use complications and record payments from your Apple Watch with your iPhone. Amounts are hidden by default. SIRI AND SHORTCUTS Open a debt, start recording a payment, or check what is left to clear using Siri and Shortcuts. Payments are entered and confirmed in Fade. KEEP THE MOMENT When a debt is paid off, create a payoff receipt. Keep it in your archive, export a PDF, or share an image. Shared receipts keep financial details private by default; you choose which details to reveal. PRIVATE BY DESIGN No account, bank connection, advertising, or analytics. Debt tracking works offline, and records are stored on your device. Turn on optional app lock with Face ID, Touch ID, or your device passcode. Hide amounts, debt names, and notes when you need discretion. Recording reminders contain no financial details. BACKUPS YOU CONTROL Save debts, payments, payoff receipts, and saved What If options to a file through Files. Restore shows a summary and asks you to confirm replacing your current records. Exported files contain readable financial data; you choose where to store them. Fade Lifetime also offers optional iCloud sync across your devices. START FREE. UNLOCK MORE ONCE. Track one stored debt for free, including payments, editing, history, progress, and basic payoff estimates. Backups, reminders, privacy controls, and Shortcuts are also free. Paid-off debts count toward the free limit. An optional, one-time Fade Lifetime purchase unlocks: • Unlimited debts • What If simulations for extra monthly or one-time payments • Up to three saved repayment options per debt • Home Screen widgets for remaining debt, your next milestone, and estimated debt-free date • Optional iCloud sync across your devices No subscription. Simulations do not change your actual balances or recorded payments. Purchases and purchase restoration are handled by Apple and require an App Store connection. Made for iPhone, iPad, and Apple Watch, with English, Polish, German, Spanish, French, Italian, and Portuguese (Brazil), light and dark appearance, and localized currency and date formatting. Fade is a personal tracking tool. It does not make payments, connect to lenders, or provide financial advice.

See your debt-free date and know exactly what to pay next. PayoffPath turns your balances, APRs, and minimum payments into a clear payoff plan. Add credit cards and loans manually—no bank login or account required. BUILD YOUR PLAN • See your estimated debt-free date and total interest • Compare Snowball and Avalanche on your own numbers • Adjust your Extra budget and watch the schedule update • Compare minimums-only with your accelerated plan • Reorder debts to match your preferred strategy TRACK YOUR PROGRESS • Log minimum payments, extra payments, and one-off snowflakes • See principal and interest broken down automatically • Watch balances, progress bars, milestones, and monthly charts move forward • Use reminders for every debt’s due day • Check your next payment and debt-free countdown from Home Screen widgets FREE INCLUDES • Up to 3 active debts • Snowball and Avalanche strategies • Full strategy comparison, including estimated finish dates and interest • Payment tracking, reminders, and local progress PRO — $19.99 ONCE Upgrade when you need more advanced planning. Pay once for lifetime Pro access. No subscription or recurring charges. • Unlimited debts • Hybrid and Custom payoff strategies • What-if Extra simulator • Target-date mode: work backwards from your ideal debt-free date • Leftover-to-Extra and monthly focus tools • Balance-transfer and consolidation analyzers • Partner plan sharing • CSV and PDF exports • Premium skin collections PRIVATE BY DESIGN • No bank login and no PayoffPath account • Core planning works offline • No ads, no analytics, and no cross-app tracking • Your debt data stays on your device unless you choose iCloud backup or export and share it yourself Back up to your personal iCloud, export a JSON backup for a new phone, or keep everything only on this device. We never receive a copy of your debt data. PayoffPath Pro Lifetime is $19.99 once. Restore your purchase on another device with the same Apple ID. Payoff dates and interest are estimates based on the information you enter. PayoffPath is a planning tool, not financial advice; confirm balances, rates, and payment details with your lenders. Privacy Policy: https://hairuizhi-cn.github.io/payoffpath-privacy/ Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/