Onus: True Cost
See the real cost of debt
Free · Designed for iPad
Stop impulse buying. See what that purchase really costs you.
Every dollar you spend while in debt costs more than a dollar. Onus shows you exactly how much.
BEFORE YOU BUY
Enter a purchase amount and instantly see its true cost. That $200 impulse buy? It might really cost you $300+ when you factor in the interest you'd save by putting that money toward your debt instead.
HONEST MATH
Onus runs a real month-by-month simulation of your debts. It calculates minimum payments, tracks interest accrual, and shows exactly how much each purchase delays your debt-free date.
MULTIPLE DEBTS, ONE VIEW
Add all your debts - credit cards, car loans, student loans. Onus considers them all when calculating the true cost of your purchases.
THREE PAYOFF STRATEGIES
• Avalanche: Target highest interest first (saves the most money)
• Snowball: Target smallest balance first (quick wins)
• Manual: Set your own priority order
PRIVACY FIRST
All your data stays on your device. No accounts, no cloud sync, no data collection. Just you and your debt reality check.
Onus (Latin for "burden") - because debt is a weight that grows with every purchase.
Ratings & Reviews
This app hasn’t received enough ratings or reviews to display an overview.
The developer, Anson Biggs, 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 Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Anson Biggs
- Size
- 2.7 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - iPad
Requires iPadOS 26.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.0 or later.
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2025 Anson Biggs