ET Markets vs Debtdotech

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Debtdotech is the calm, private way to take control of every loan and credit card you owe — without an account, without the cloud, and without anyone watching what you owe. Track every balance. Plan the fastest way out. Never miss a due date. Everything lives on your iPhone, in Apple's secure storage, and nothing is ever uploaded. WHY DEBT DO TECH • Total privacy by design. No sign-up, no email, no analytics, no third-party SDKs. The app makes zero network requests — turn on Airplane Mode and everything still works. • On-device only. Your loans, payments, and cards are stored locally with SwiftData and protected by your device's own encryption and passcode. • Built for clarity. Liquid Glass surfaces, smooth animations, and a focused dashboard that shows what you owe and what it will take to be debt-free. LOAN TRACKING • Add any kind of loan — mortgage, auto, student, personal, business, or family • See total balance, interest rate, monthly payment, and remaining months at a glance • Choose any currency the world over • Sort by balance, rate, or payoff time • Log payments and see your balance shrink with a satisfying animation EARLY PAYOFF PLANNER • See exactly how many months and how much interest you'll save by paying a little extra each month • A live slider lets you experiment with extra payments and watch your debt-free date move closer • Built on a real amortization engine, not a rough estimate CREDIT CARD MANAGER • Track limits, balances, APRs, and utilization for every card • Watch interest accrue per month if you carry a balance • Pay down with a tap, or clear the bill entirely and dodge interest • Color-coded utilization warnings keep you in the safe zone DUE-DATE REMINDERS • Optional, local-only notifications fire the day before a payment is due • Never sent anywhere — the reminder is scheduled and delivered entirely by your device • Turn reminders on or off per loan and per card DESIGNED FOR ALL OF iOS • Beautiful Liquid Glass interface on iOS 26 with a smooth Material fallback on iOS 18+ • Works on iPhone and iPad • Light and dark friendly — tuned for a deep, professional dark surface that's easy on the eyes • Apple Maps–style draggable bottom sheet keeps your dashboard always visible OUR PRIVACY PROMISE We believe how much you owe is nobody else's business. Debt do Tech does not collect, sell, or transmit any of your data. There is no account to create, no password to remember, and no leak risk — because there is nothing on a server to leak. If you delete the app, your data is gone with it. Take control of your debt, quietly and on your own terms.