Honest Debt: AI Payoff Manager

Snowball plan. No bank logins.

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

A calm, honest debt payoff plan — no bank logins, no money movement. Avalanche, snowball & lower-bills strategies, explained in plain English by AI. Honest Debt is a calm, honest way to plan your way out of debt — no account numbers, no bank logins, and no money movement. You type in your debts; we show you the honest math. YOUR HONEST PLAN • Three clear strategies — Avalanche (least interest), Snowball (quick wins), or Lower Bills (free up your budget fastest) • A month-by-month payoff timeline with your debt-free date • Honest numbers: total interest, interest saved, and what an extra payment really changes • Log payments and watch your plan recompute around real life GUIDANCE, NOT ADVICE • Ask Honest — an AI coach that explains your plan in plain English, using your real numbers • The app does all the math; the AI only explains it — and serious situations are referred to licensed nonprofit credit counselors (NFCC members) BUILT FOR THE PERSON, NOT JUST THE DEBT • Debt Stress Index — track how it feels, not just what you owe • See your stress and your balance on one chart, with gentle insights • Calm milestones: "One debt gone." • A weekly reflection and a monthly note from Future You PRIVATE BY DESIGN • No bank connections, ever — only what you choose to share • Face ID lock, data export, and one-tap account deletion HONEST DEBT PRO (optional auto-renewing subscription) • Scenario simulator on your own numbers • Unlimited plain-English plan explanations • Export your full payoff plan as a PDF Monthly or yearly. Payment is charged to your Apple ID and renews unless cancelled at least 24 hours before the period ends. Manage or cancel in your App Store settings. Terms: https://exafabs.ai/honestdebt/terms Privacy: https://exafabs.ai/honestdebt/privacy-policy Educational guidance only — not financial, legal, or tax advice. For personalized help, nonprofit credit counselors (NFCC members) are available at no cost.

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The developer, Alpit Tare, 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:

    • Purchases
    • Financial Info
    • Contact Info
    • Identifiers
    • Usage Data
    • 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
  • Alpit Tare
Size
  • 49 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 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+
In-App Purchases
Yes
Copyright
  • © 2026 EXAFABS
  • Developer Website
  • Privacy Policy

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