Owl Debt Focus
Debt Payoff, Budget Planner
Free · In‑App Purchases · Designed for iPad
Turn your debts into a paycheck‑based plan before your next payday—so you can reduce stress, pay off debt faster, and know exactly what to do next.
Take control of your debt and build a clearer path to financial stability with Owl Debt Focus. Track what you owe, stay on top of upcoming payments, and plan your cash flow between paychecks with simple, actionable insights.
Features:
1. Snapshot dashboard
See upcoming payments and totals at a glance.
Track progress and key financial indicators in an easy-to-read view.
2. Debt & payment management
Add and manage multiple debts with flexible payment schedules.
Mark payments as paid, adjust amounts, or postpone due dates when life happens.
3. Paycheck Planner
Plan your budget by pay period to understand what’s due before your next paycheck and what you’ll have left.
4. Calendar reminders (optional)
Add payment reminders to your device calendar so due dates stay visible.
Events stay updated when you mark a payment as paid or change the date/amount.
5. AI Debt Check‑in report + history
Generate an AI-powered check‑in report based on the information you provide, and view recent report history in the app.
6. Faster entry with OCR (optional)
Scan amounts from a bill/statement using your camera or photo library to reduce manual typing.
7. Multi‑currency support
Choose your preferred currency and see amounts with the correct currency symbol across the app.
Owl Debt Focus Pro (Subscriptions & In‑App Purchases):
Owl Debt Focus offers optional Pro plans (monthly, annual, and a one‑time lifetime option, where available).
Pro may include features such as iCloud sync/backup, ad removal, and other Pro‑marked tools. The app remains usable without purchasing.
- Payment will be charged to your Apple ID account at confirmation of purchase.
- Subscriptions automatically renew unless auto‑renew is turned off at least 24 hours before the end of the current period.
- Your account will be charged for renewal within 24 hours prior to the end of the current period.
- You can manage or cancel your subscription in your App Store account settings at any time after purchase.
Privacy & Security:
Your privacy is our priority. Owl Debt Focus operates solely on the data you provide, ensuring your information remains secure and confidential.
Privacy Policy: https://owldebtfocus.top/privacy.html
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Disclaimer:
Owl Debt Focus is a self‑help tool for debt management and assessment. We do not offer loans or financial services, provide credit repair, or guarantee outcomes. Please consult qualified professionals for financial or legal advice.
This update brings a full native iOS rebuild with a refreshed design and a set of new tools to help you plan payments, track progress, and unlock advanced features.
- All-new native iOS rebuild: a unified UI/interaction style (new visual theme, card/table styling, animations).
- Added Pro subscription: monthly/annual/lifetime options with ad removal and premium feature unlocks (plus a “watch an ad to unlock once” option).
- Added iCloud sync/backup: toggleable, checks available space, and supports auto-sync prompts (Pro feature).
- Added AI Check-in report + history: more personalized insights, with caching and a history view.
- Added Paycheck Planner: breaks time into pay periods and shows fixed expenses, upcoming debt payments, and what’s left each period.
- Added calendar integration: add your payment plan to the system calendar; paid status, postponements, and amount changes stay in sync.
- Added OCR fast entry for installment amounts: scan amounts from a bill using camera or photo library (Pro feature).
- Added multi-currency display and currency selection: amounts consistently show the correct currency symbol.
- Enhancements: adjust amounts/postpone payments from the Home screen, celebration animation for progress, native in-app rating prompt, and improved ads/remote-config experience.
The developer, 鲁 黄, 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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Nanjing Shitu Cloud Technology Co., Ltd.
- Size
- 26.8 MB
- Category
- Finance
- Compatibility
Requires iOS 18.2 or later.
- iPhone
Requires iOS 18.2 or later. - iPad
Requires iPadOS 18.2 or later. - Mac
Requires macOS 15.2 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.2 or later.
- Languages
English and 12 more
- English, Arabic, French, German, Italian, Japanese, Korean, Portuguese, Russian, Simplified Chinese, Spanish, Traditional Chinese, Vietnamese
- Age Rating
18+
- 18+
- Contains
Advertising
- In-App Purchases
Yes
- Debt Plan Pro Lifetime $119.00
- Debt Plan Pro Annual $29.99
- Debt Plan Pro Monthly $4.99
- Copyright
- © 2026 Nanjing Shitu Cloud Technology
