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Screenshots

  • Kapitech: Budget & Debt Payoff screenshot 1
  • Kapitech: Budget & Debt Payoff screenshot 2
  • Kapitech: Budget & Debt Payoff screenshot 3
  • Kapitech: Budget & Debt Payoff screenshot 4

About Kapitech: Budget & Debt Payoff

Kapitech shows you the fastest way out of debt. Add your cards and loans, compare snowball and avalanche, and see the date you'll be debt-free. It's free to start. It also tracks expenses, budgets, bills and savings goals in one place. No ads, and you don't need an account. No bank login. There's nothing to connect, so nothing can disconnect or fall behind. You add purchases yourself, in a few taps. DEBT PAYOFF - Compare snowball and avalanche side by side - Get a monthly payoff plan based on your income and budgets - See your debt-free date for each debt - Payment reminders so a due date never sneaks up on you - Debts can have a 0% promo rate that ends on a date you set, and payment holiday months. Your payoff date and interest count both EXPENSES AND BUDGETS - Log a purchase in a few taps - Custom categories with your own names, icons and colors - Recurring expenses and a monthly overview - Budgets that show what's left SAVINGS GOALS - Set a target and watch your progress WIDGET AND SHORTCUTS - Home screen widget in small and medium, showing your debt-free month and total debt left - The medium widget has a Log expense button - Log an expense from Shortcuts, Siri or the Action Button FREE AND PRO Kapitech is free to download. Free covers unlimited expense logging, the debt payoff comparison, payment reminders, 1 budget, 1 savings goal and up to 3 debts. Kapitech Pro removes those limits and adds the extra payment calculator, the full amortization schedule and data export (PDF and CSV). Choose monthly ($3.99), yearly ($19.99) or lifetime ($29.99, pay once). If you bought Kapitech before it became free, you keep Pro for life. Monthly and yearly plans renew automatically until you cancel in your Apple ID settings, at least 24 hours before the period ends. Payment is charged to your Apple ID. Prices may differ by country. Privacy Policy: https://www.kapitech.app/privacy.html Terms of Use: https://www.kapitech.app/terms.html

Ratings & reviews

5.0

6 ratings

5 ★ 100% 4 ★ 0% 3 ★ 0% 2 ★ 0% 1 ★ 0%

What’s new

Version 1.3.1 · Updated October 28, 2026

Debts can now have a Promo Rate, like 0% until April 2027, and Payment Holiday months. Your payoff date and interest now include both, so the plan matches what you really pay. Also: a clearer Pro screen.

App privacy

The developer, JOSIP MARKOVIC, reported these privacy practices to Apple.

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Identifiers: Device ID
  • Usage Data: Product Interaction
  • Diagnostics: Crash Data

Used for: Analytics

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