NxtBread
Crush Debt. Build Credit Fast.
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
NxtBread is your personal debt-payoff and credit-building coach. Enter your balances, set your goals, and get a clear, motivating plan to become debt-free faster — no bank linking, no account required, completely private.
WHAT YOU CAN DO
• Build a payoff plan using proven snowball and avalanche strategies
• Simulate "what-if" scenarios to see how extra payments speed things up
• Track your progress and stay motivated with clear milestones
• Get practical, easy-to-understand tips to help grow your credit
• Visualize your journey from today to debt-free
PRIVATE BY DESIGN
All data is entered manually and stays on your device. NxtBread does not connect to your bank, credit bureau, or any external financial accounts.
NXTBREAD PREMIUM
Unlock advanced simulations, deeper insights, and the full coaching experience with an auto-renewable subscription.
IMPORTANT
NxtBread provides general educational and informational content only. It does not provide financial, investment, legal, or tax advice.
TERMS OF USE
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
- - - - -
Founded by Luke Campbell
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
A simpler, cleaner NxtBread. We streamlined the app based on your feedback: a redesigned home screen with quick access to Learn, Money Tools, Budget, and Vision, plus a new Money Tools hub that brings Spend Better, Save More, and Build Your Future together in one place.
The developer, Kirk Campbell, 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
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Kirk Campbell
- Size
- 12.9 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- NXTBread $49.99
- NXTBread $19.99
- NXTBread $2.99
- Copyright
- © 2026 NxtBread Inc. All rights reserved.