DebtLens

DebtLens puts debt payoff at the center of a complete, manual money plan. Home, Debt, Budget, Savings and Stats work together using the balances and transactions you record.

START WITH A CLEAR SETUP
Set up cash accounts, expected paydays, monthly bills and spending limits. Save a usual bill amount and its due day, then enter the actual amount when paid. Salary, commission and side-hustle income can have different schedules. An unknown payday amount stays unrecorded until you enter what arrived.

MAKE EVERYDAY MONEY SIMPLE
Open Home to add a transaction and review its effect on your spending plan. See recorded cash after commitments, current savings and debt progress. Expected income stays separate from received money.

KEEP DEBT IN FOCUS
Organize credit cards and loans, record balances and review account history. Compare Snowball and Avalanche payoff estimates and explore extra monthly payment scenarios. Linked debt payments update the cash record and debt together; DebtLens never sends a bank payment.

SEE WHAT IS COMING UP
Budget brings the monthly overview, dated bills and debt minimums into a clear list. Record income, expenses and transfers, review cash accounts, and manage category budgets. Planning scenarios help you compare choices before recording what happened.

GIVE SAVINGS A PURPOSE
Create goals, emergency funds and sinking funds. Earmark money already in your accounts, follow progress and compare contribution plans. Earmarks reserve existing cash without counting it twice.

FOLLOW RECORDED PROGRESS
Stats offers month-over-month, six-month, year-to-date and all-time views. Review everything together or focus on Budget, Debt or Savings. Missing historical balances are identified rather than invented, and partial periods are labeled.

CHOOSE PRIVATE OR SHARED WORKSPACES
Core tracking works without creating an account. Optional Sign in with Apple verifies your DebtLens identity for private iCloud sync. Separate household workspaces support explicit iCloud invitations with adult editing or view-only access. Your Private records are never copied into a household automatically. Each person uses their own Apple Account.

KEEP AN INDEPENDENT RECOVERY COPY
Create a password-encrypted full backup of one selected adult workspace and export selected PDF reports. A confirmed restore creates a separate private workspace and keeps your existing records. Sharing access and cloud connections are configured separately; sync is not an independent backup.

DebtLens has no ads or tracking and offers an optional app lock, light and dark appearances, and accessible layouts.

DebtLens uses information you enter. It does not connect to banks or move money. Manual records may differ from your financial institution. Payoff dates, interest and cash-flow projections are estimates, not guarantees or financial advice.