abc3.me02 vs Payoff Path
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
abc3.me02
Track and visualize your water, sewer, gas, and electric utility bills. Enter usage or charges to generate charts comparing monthly, same-month, and year-over-year consumption. Offers backup, restore, and password protection features.
- Enter utility charges and consumption
- Visualize bills with monthly charts
- Compare usage across months and years
- Backup and restore data
- Password lock for security
- Export data to Excel format
- Compare data to national averages
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abc3.me02 (water utility bills) abc3.me02 (water utility bills) Water and sewer, gas and electric expenses can be manged. Charts provides a best way to visualize water utility bills. Using abc3.me02, please reduce water utility bills. by abc3.me can use iPad. (1) Free App (Finance) abc3.me02 (water utility bills) Free download Now! search abc3.me on website If you are interested in abc3.me02, We recommend that you download this App, as soon as possible. (2) How to display Charts. Please Enter usage charges or consumption. Please tap View Button. Using Charts, you can check your usage. (3) Feature ・Enter Enter usage charges or consumption. (water and sewer, gas, electric.) ・Chart Show Table or Graph. (Monthly Transition, Same Month, Month Comparison) ※add Same Month Graph(check Setting Screen option) ver 1.24 oe later ・Setting If you want to know calculated tax, Please set the following: [Tax rate] -> [Taxable period] (Tax will be calculated.) Backup and Restore If you create backup file with iPhone, backup file is able to restore by iPad. 【backup step】 (1)create a backup file with "backup" button. (2)connect iTunes from iPhone and synchronize. (3)save backup file to computer. 【restore step】 (1)connect iTunes from iPhone and synchronize. (2)copy backup file from computer to iPhone. (3)restore a backup file with "restore" button. ・Enter screen title switch display of enter screen title 【password lock or password unlock】 lock with set a password. if app reboot, password confirmation dialog will be display. 【Reset】 if you forget a password, initialize app data used of "reset" button, password is reset. but app all of data will be initialized. recommend create a backup file. after reset, can restore with backup file of computer. 【Tag】 If you tap "tag" button, can select a tag. conditions of selected a tag color at search screen. 【Compare data】 display the results of a comparison of the national average and the enter data. save list as excel format document. it can open with excel. batch conversion of water utility bills data. 【CSV data】 ・export to your computer with iTunes app. ・import to app data from your computer with iTunes app. ・Help how to Use this Help Detailed description: please tap Link. data cooperation screen ( withAppData ) switch tab on the screen. (1)copy app to share copy abc3.me02 file to share folder. (2)copy share to app copy withAppData file to share folder, and share folder's file copy to abc3.me02 app. it is remove selected file in the share folder. ※withAppData app search of developer list. [iPhone Requirements] Supported OS: iOS 8.0 to Please download and use. abc3.me02 (water utility bills) Free App by abc3.me. Thank you. search abc3.me on website by abc3.me
Payoff Path
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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.
Screenshots
Verdict
The clearest difference is in-app purchases: abc3.me02 at none against Payoff Path's 1. abc3.me02 also leads on device support (3 vs 1) and iOS requirement (9.0 vs 17.0). Payoff Path's advantage is update cadence (every 3 days vs every 3 months). On price and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Payoff Path sells 1 one-off in-app purchase. abc3.me02 asks for nothing beyond the download.
abc3.me02 ships an update every 3 months, Payoff Path every 3 days. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.
| Parameter | abc3.me02 | Payoff Path |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 29.0% of reviews | — |
| Update frequency | Every 3 months | Every 3 days — better |
| Ads | Yes | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 9.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 19 MB | 9 MB |
| Age rating | 4+ | 4+ |
| Developer | Kiyotaka Hori | Shogo Yoshida |
In-app purchases
abc3.me02
No in-app purchases
Payoff Path
- Premium$5.99









