Lighten: Debt Payoff Planner

Snowball & Avalanche Tracker

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

Lighten just got a full visual refresh — clearer, warmer, and easier to use as you work toward becoming debt-free. Stop guessing when you'll finally be debt-free. Lighten is a straightforward payoff planner for anyone juggling more than one debt — credit cards, personal loans, installment plans, or app loans. Add every balance you owe, pick a strategy, and watch your exact payoff date update in real time. HOW IT WORKS 1. Add your debts — balance, interest rate, minimum payment 2. Choose Snowball (smallest balance first) or Avalanche (highest interest first) 3. Follow your month-by-month roadmap to $0 WHY PEOPLE TRUST LIGHTEN Your data never leaves your phone. No account, no bank login, no server, no tracking. Every calculation happens locally on your device — the way a debt tool should work. KEY FEATURES • Unlimited debts tracked — free, always. We never gate the one thing that matters most: seeing your full picture. • Real interest-rate math, including the hidden cost of "fixed rate" loans, shown as their true effective rate • Instant warning when a minimum payment doesn't even cover the interest — the debt trap most people never notice • Monthly payoff roadmap showing exactly which debt to focus extra payments on • Payment reminders so you never miss a due date • Available in English, Vietnamese, Spanish, Portuguese, and Indonesian LIGHTEN PRO (one-time purchase, no subscription) • Compare multiple what-if scenarios side by side • Advanced progress charts • Export your roadmap as a PDF • Remove ads Lighten doesn't sell loans, doesn't push credit offers, and never encourages you to borrow more. It's built to help you owe less — one month at a time.

Ratings & Reviews

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

Lighten just got a fresh new look! • A redesigned experience across the entire app — clearer, warmer, easier to use • More detailed balance-increase alerts with helpful next steps • More flexible notification controls, including a new balance check-in reminder • A confirmation screen before sharing your PDF payoff plan (Pro) • Various small bug fixes and general improvements Thank you for trusting Lighten on your debt-free journey!

Version 1.0.1

The developer, Nguyen Khac Tiep, 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 Used to Track You

    The following data may be used to track you across apps and websites owned by other companies:

    • Identifiers

  • Data Not Linked to You

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

    • Identifiers

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
Nguyen Khac Tiep
Size
46.3 MB
Category
Finance
Compatibility
Requires iOS 15.6 or later.
  • iPhone
    Requires iOS 15.6 or later.
  • iPad
    Requires iPadOS 15.6 or later.
  • iPod touch
    Requires iOS 15.6 or later.
  • Mac
    Requires macOS 12.5 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
English
Age Rating
13+
In-App Purchases
Yes
Copyright
© Izidev 2025
  • Developer Website
  • Privacy Policy

    • More by Nguyen Khac Tiep

    You Might Also Like