Debt Strategist

Your bank hands you a 240-line amortization table. It never answers the only question that matters: what do I do with the extra 100 I have this month? Debt Strategist answers it. Enter your loans — mortgage, car, student, revolving credit — and see, in numbers, where your money should go. WHAT IT DOES • Portfolio — total remaining debt, monthly total, and the month you're debt-free. One screen, no spreadsheet. • Amortization — the full schedule for any loan, plus an interest-vs.-principal chart that shows exactly when your payment starts building equity instead of paying the bank. • Early repayment simulator — put 5,000 in today, or raise your payment by 200 a month, and see the months and interest it removes. • Snowball vs. avalanche — smallest balance first, or highest rate first? Both plans are computed side by side with the total interest and payoff date of each, so you choose with a number rather than a feeling. • Refinance analyzer — origination fees, prepayment penalty, new rate, new term, and the break-even month. Sometimes the answer is that a buyback costs you money. The app says so. • PDF export — a clean, printable report of your schedule or your buyback analysis, to take to your bank or your broker. BUILT ON TWO PRINCIPLES No account, no server. Your loans never leave your iPhone. This is arithmetic, not data to resell. No analytics, no third-party SDK, no sign-in. One payment, no subscription. A calculator shouldn't charge monthly rent. Buy it once, keep it. WHAT'S FREE, WHAT'S PAID Free: portfolio, loan detail, full amortization schedule, early repayment simulator. One-time purchase: snowball vs. avalanche comparison, refinance analyzer, and PDF export. GOOD TO KNOW Works in every currency your region uses, in English and French. No internet connection needed to compute anything. Dynamic Type and VoiceOver supported throughout. Debt Strategist computes; it does not advise. It is not a bank, a broker, or a financial adviser, and it makes no recommendation about any specific credit product.