Pay Down: Credit Card Payoff

See what purchases really cost

Free · Designed for iPad. Not verified for macOS.

See what every purchase really costs once interest piles on. Track your cards, import statements, and follow a payoff plan that shows your true progress — day by day. That $50 dinner on your credit card? If you carry the balance eight months at 24% APR, you paid $58. Most finance apps show you $50. Pay Down shows you $58. Every purchase has a sticker price — and a real price. The real price is the sticker price plus the interest that accrues until you pay it off. Pay Down calculates and tracks that number for every transaction, on every card. WHAT YOU GET • See the real cost of every purchase — the original amount plus its allocated interest • Know your debt-free date based on your actual payment pace • Model what happens when you pay $50 more per month (or $200) • Compare payoff strategies: avalanche, snowball, or cut spending • Track progress as your balances actually move • Deep spending Insights — true cost multiplier, category and merchant breakdowns, and effective APR trends (Premium) • Four free calculators: True Cost, Balance Transfer, HELOC/Loan Payoff, and Minimum Payment Trap • Import transactions automatically via Plaid (Premium) or CSV export from your bank (free) • Monthly AI spending and goal review email (Premium) • Card sharing with your partner — included in one Premium subscription WHO IT'S FOR Pay Down is for people carrying a credit card balance who want an honest picture of what it's actually costing them — not budgeters tracking categories, not investors. People with debt who want to understand it and see a clear path out. If you pay in full every month, Pay Down will still work. It was built for the person who doesn't. FREE VS. PREMIUM Unlimited cards, all true-cost calculations, debt-free projections, payoff strategy modeling, and all four calculators are completely free. Premium unlocks three things: the Insights tab for deeper spending analysis (true cost multiplier, category breakdowns, APR trends), Plaid automatic bank sync so transactions pull directly from your bank, and monthly AI spending review emails. Card sharing with a partner is included in one Premium subscription. GET STARTED Add your first card, import a few transactions, and see what your balance is actually costing you. The numbers might be uncomfortable. That's the point. Standard Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ratings & Reviews

  • This app hasn’t received enough ratings or reviews to display an overview.

English (U.S.): • Premium now activates instantly after subscribing • Stay signed in: brief network hiccups no longer log you out • Newly linked bank cards now show their sync status right away • Fixed an issue that could create duplicate cards when adding one • Smoother navigation and general reliability improvements Spanish (Mexico): • Premium se activa al instante después de suscribirte • Mantén tu sesión: las fallas breves de red ya no cierran tu sesión • Las tarjetas bancarias recién vinculadas muestran su estado de sincronización de inmediato • Se corrigió un problema que podía crear tarjetas duplicadas al agregar una • Navegación más fluida y mejoras generales de confiabilidad French (France): • Premium s'active désormais instantanément après l'abonnement • Restez connecté : les brèves coupures réseau ne vous déconnectent plus • Les cartes bancaires nouvellement liées affichent immédiatement leur état de synchronisation • Correction d'un problème pouvant créer des cartes en double lors de l'ajout • Navigation plus fluide et fiabilité améliorée

Version 1.1.4

The developer, EZ Budget all year, LLC, 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 Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • Identifiers
    • Usage Data

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • EZ Budgeting all year, LLC
Size
  • 51.9 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
Copyright
  • © 2026 EZBay LLC
  • Developer Website
  • Privacy Policy

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