DebtClarity
Pay debt down with a cleaner plan.
DebtClarity is currently available for iOS, with Android coming soon. It helps you manually track credit cards, loans, BNPL balances, medical debt, and other payoff goals, then compare snowball and avalanche strategies without connecting to your bank.
Turn leftover money into a payoff path.
DebtClarity is built for planning, reminders, and household visibility. It is not financial advice and it does not request bank credentials.
Snowball and Avalanche
Compare smallest-balance-first and highest-APR-first strategies so the tradeoff is clear.
Extra Payment Scenarios
Estimate how an added monthly amount changes payoff timing and interest saved.
Due Dates and Reminders
Track minimum payments, due days, payday nudges, and the next account to attack.
Debt Types
Add credit cards, loans, BNPL plans, medical balances, and other manually entered obligations.
Household Planning
Mark debts as shared or private so couples, families, and roommates can plan clearly.
Data Export
Export your entered debt plan from the app when you need a readable copy.
Optional upgrades, store managed.
DebtClarity Premium uses Apple subscriptions for the current iOS version where offered. Android support is planned, and Android billing will be handled through Google Play if paid features are offered there.
- Monthly and yearly products are managed through Apple.
- Subscriptions renew automatically unless canceled in Apple subscriptions.
- Free users may see ads through Google AdMob.
Manual data, no bank connection.
DebtClarity stores the debt names, balances, APRs, due days, payoff strategy, and reminder settings you enter. Signed-in users can back up data with Firebase Authentication and Firestore.