MAJOR UPDATE
See Your Debt-Free Date
Add your debts, compare snowball and avalanche, and see the exact month you'll be debt-free.
Kapitech: Budget & Debt Payoff
Loan Tracker & Savings Goals
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Compare snowball and avalanche payoff plans, see your debt-free date, and keep bills, budgets and savings goals in one place. No ads, no account needed.
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
Events
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.
The developer, JOSIP MARKOVIC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- JOSIP MARKOVIC
- Size
- 15.4 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Croatian
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Kapitech Pro Lifetime $29.99
- Annual Premium Subscription $19.99
- Monthly Premium Subscription $3.99
- Copyright
- © 2026 Kapitech