DebtClarity

DebtClarity helps you build a clearer plan for paying down debt without connecting to your bank. Add credit cards, loans, Buy Now, Pay Later (BNPL) balances, medical debt, and other obligations manually. DebtClarity organizes your balances, APRs, minimum payments, and due dates so you can see where you stand and decide what to pay off next. Included Free: - Track debts, balances, APRs, minimum payments, and due dates - Choose a snowball or avalanche payoff strategy - Mark debts as shared or private for household planning - Review payoff progress and upcoming payments - Export your debt plan - Sign in to securely back up your DebtClarity data DebtClarity Premium (auto-renewing monthly or yearly subscription) includes: - Payoff Forecast with your projected debt-free date - Side-by-side Snowball vs. Avalanche comparisons - What-if planner showing how extra payments affect your payoff timeline and total interest - Payment due and debt-free milestone reminders - Ad-free experience The free version is supported by ads. Subscription Information Payment will be charged to your Apple Account at confirmation of purchase. Your subscription automatically renews unless it is canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription at any time in your Apple Account Settings. DebtClarity does not ask for your bank credentials and does not connect to your financial accounts. You stay in complete control of the information you enter. DebtClarity provides budgeting and debt payoff calculations only. It does not provide financial, legal, tax, or investment advice.