Debt Strategy 4+

Anishu, Inc.

Designed for iPad

    • $0.99



Debt Strategy helps you identify the best payoff strategy in order to pay down your debts fast. It also helps you track and pay off your debts, and execute on the strategy you choose. After entering your debts in the application, you can analyze how the choice of payment strategy or different extra amounts helps you pay off your debts sooner, and save on the total interest paid. Debt Strategy supports multiple strategies such as:

- Minimum Payments Only
- Lowest Balances First, with rollover of payments from paid off loans
- Highest Interest Rate First, with rollover of payments from paid off loans

Debt Strategy helps you to take control of your debts. Pick one debt, either one with the lowest balance or one with the highest interest rate, and focus on paying it off first by paying a little more than the minimum. This will shave months off your debt. With your other debts, continue paying just the minimum. After you finish paying off the first debt, move on to the 2nd debt per your strategy. Roll over the amount you paid each month from your first debt to pay off this one. You will pay off the second debt even more quickly. Continue this strategy until all your debts are paid.


- Ability to enter debts and track debts.
- Ability to identify the best pay-off strategy, and perform what-if analysis with different additional amounts and pay-off strategies
- Graphical view of how the debts will be paid off
- Pie/Bar charts for debt break down by category, or remaining balance
- Monthly payment schedule for each debt
- Ability to enter payments during the life of the loan, and accurately track remaining balances
- Payment reminders so you can make your payments on time
- Ability to override the home currency
- Option to email a report
- Password protection

What’s New

Version 1.5.2

This app has been updated by Apple to display the Apple Watch app icon.

Support 0% interest rate debts

Ratings and Reviews

3.1 out of 5
16 Ratings

16 Ratings

mmk32085 ,

No way to add recurring payments

So it shows how long to pay off the credit card if you never add anything to it. There is no way to adjust for the annual fee. I have one credit card that adds the anual fee once a year and one that adds it in monthly installments so the payoff is wrong. If I add it in now it will misrepresent the interest charges.

$$Kj ,

Love this App

This App is perfect for my needs. Data is easy to input. The format is nice and the reports are great. I especially like the payment schedule feature which allows you to see the balances going forward. Great for planning purposes. Glad I found it, try others that didn't fit my needs that cost a lot more. Very good App for the money would recommend.

Paintballgirl ,

Has some issues

While the app is good for some basic debt and payment calculations, it has some issues. Warnings to let you know required data in a field is missing show up out of the viewing area. Since you can't continue until the error is fixed, you have to figure out what is wrong or missing yourself before you can continue. This seems to be the case for emailing the data too, so it's not possible to use that function at all.

App Privacy

The developer, Anishu, Inc., has not provided details about its privacy practices and handling of data to Apple.

No Details Provided

The developer will be required to provide privacy details when they submit their next app update.


  • Family Sharing

    Up to six family members can use this app with Family Sharing enabled.

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HomeBudget with Sync
Debt Strategy Lite
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