BrightPathDebtPath

Debt payoff should feel clear—not overwhelming. BrightPath DebtPath helps you compare payoff strategies, understand interest and fees, and turn estimates into a practical monthly action plan. Enter your debts manually, adjust every assumption, and see how different payment choices may affect your path. Now with native iPhone and iPad layouts. PLAN WITH CLARITY • Add credit cards, personal loans, auto loans, medical debt, and other balances • Compare snowball, avalanche, and custom payoff orders • See estimated payoff dates, interest, fees, and total payment time • Model monthly or daily-simple interest • Account for promotional APR deadlines and recurring fees • Add recurring extra payments and one-time boosts • Edit every calculation assumption KNOW WHAT TO DO NEXT • See suggested payment amounts for the upcoming month • Identify minimum payments that may not cover estimated interest and fees • Catch promotional-rate deadline risks • Test how reducing your extra payment by 20% could affect the timeline • Follow a projected payoff calendar and milestones TRACK REAL PROGRESS • Record payments with principal, interest, and fee breakdowns • See progress against original balances • Schedule optional monthly and due-date reminders • Export debts, scenarios, boosts, and payment history as CSV PRIVATE BY DESIGN • Your plan is stored locally on your device; it does not sync between devices • No account, bank connection, or credit check is required • No advertising or third-party analytics SDKs • Optional Face ID, Touch ID, or device-passcode protection • On eligible devices, Apple Intelligence can explain already-calculated results privately on device • An offline explanation remains available when Apple Intelligence is unavailable FREE AND PRO The Free tier includes unlimited debt records, all three payoff strategies, one saved scenario, payoff calendars, progress tracking, reminders, plan-health insights, CSV export, and private explanations. DebtPath Pro unlocks unlimited saved scenarios with a one-time lifetime purchase. The current offer has no subscription or automatic renewal. Apple shows your local price before purchase. Existing monthly subscribers retain access while their subscriptions remain active under their existing renewal terms. Manage existing subscriptions through your Apple Account; a lifetime purchase does not cancel a subscription. BrightPath DebtPath provides educational estimates only—not financial, legal, tax, credit, or lending advice. Actual lender rules, compounding, statement timing, promotional terms, fees, minimum payments, and payment allocation may differ. Confirm payment and payoff instructions with each lender. CSV exports are summaries, not restorable backups. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/