Borçtan Çıkış: Debt Payoff
See the day your debt ends
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Enter your debts once; the app works out the day you become debt-free and counts down to it. Pick a target date and it tells you what to pay each month.
Borçtan Çıkış answers one question: which day will you be debt-free?
You enter your debts, installments and monthly payments once. The app works out the date you become debt-free and counts down to it, day by day, in a widget on your Home Screen. Make a payment and the date moves closer; miss one and it moves back — so you see where your plan really stands.
WORK BACKWARDS
Most apps tell you "pay this much a month and you finish on that date". This one answers the question in reverse too: say "I want to be debt-free by June 1" and it works out what you need to pay each month, rounded to an amount you can actually use.
BUILT FOR REAL INSTALLMENTS
• Card installments are split to the cent: 1,000 / 3 = 333.33 + 333.33 + 333.34
• Weekly due dates are supported, not only monthly
• Minimum payment tracking and planning around your statement period
• CSV import and export that matches the format your bank gives you
SEE YOUR PLAN
• Compare two payoff methods side by side and see the finish date of each
• Make an extra payment and watch the date move, instantly
• Month close, missed payment tracking and a history of plan changes
• Milestones and badges
PLAN YOUR MONTH AND SUBSCRIPTIONS
• The month laid out day by day: income, fixed expenses and installments
• What your subscriptions really cost over a year, biggest first
WIDGETS AND SHORTCUTS
• Home Screen and Lock Screen widgets count down to your debt-free day
• Mark a payment as paid without leaving the widget
• Siri: "how many days until I'm debt-free", "when is my next payment", "add an expense"
YOUR DATA STAYS WITH YOU
The app works completely offline. No server, no account, no ads, no tracking — it never makes a single network request. iCloud sync is optional and uses your own private database. There is a Face ID app lock and a privacy cover in the app switcher.
FREE AND PREMIUM
The free version lets you add up to 3 debts and use the debt-free date, the countdown, Home Screen and Lock Screen widgets, payment recording, the month view and Siri shortcuts.
Premium unlocks four things: unlimited debts, working backwards from a target date, the method comparison and CSV import/export. It renews monthly and the first 3 days are free. The subscription is billed to your App Store account and renews unless cancelled at least 24 hours before the period ends. You can manage and cancel it in your App Store account settings.
Privacy Policy: https://borctancikis.kirkoc.com/gizlilik.html
Terms of Use: 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.
Improved purchase and subscription infrastructure. Minor bug fixes.
The developer, Umit Caglayan Kirkoc, 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 Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Umit Caglayan Kirkoc
- Size
- 14.9 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Turkish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Borçtan Çıkış Premium $1.99
- Copyright
- © 2026 Ümit Çağlayan Kırkoç