Notch · Personal
Track debt payments on iPhone. Log each payment made, watch the count build, and stay motivated on the path to zero. Free to download.
Paying off debt is a multi-year goal with a specific finish line: zero. Whether you're working through student loans, a car loan, or credit card debt, the plan usually comes down to a set number of payments — monthly installments on a fixed schedule, plus any extra payments when you can manage them.
The problem with tracking this as a habit is that "make a debt payment" isn't a daily behavior. Payments happen monthly. The streak tracker has no model for something that legitimately happens once a month.
What you actually want to see is progress toward a count. 12 of 36 payments made. 18 of 36. That fraction tells you where you are on the road to zero, and it motivates in a way that a habit streak never could — because it doesn't reset, and each payment is genuinely one less between you and done.
A payment counter shows every installment logged, including any extra payments made ahead of schedule. Each one is a dot on the grid. When the grid is full, the debt is gone.
Monthly debt payments reach 12 in a year and 36 in three years. Additional lump sum payments add to the count ahead of schedule.
Debt repayment is a milestone goal by nature: you're working toward zero. Each payment brings the total closer. The payment count is a record of commitment over time. 18 payments made toward a 36-payment plan is exactly 50% done.
There's no streak to break in debt repayment: each payment either happened or it didn't. The count is what matters. Tracking it as a milestone keeps the focus on forward progress rather than daily check-ins.
Monthly payments reach 12 in a year. An extra payment in one month brings the total to 13 ahead of schedule.
Free to download. The full app unlocks with a one-time $9.99 purchase. No subscription.
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A milestone tracker for iPhone. Set a target for debt payments made, log each payment, and watch the dot grid fill. No streaks. No resets. No subscription.
Download on App StoreFree · $9.99 Pro · No subscription