Climb - Debt Tracker

iPhone / Finance

Know the exact date you'll be debt-free.
Climb is a debt payoff planner that turns your loans and credit cards into a clear, personalized plan — no spreadsheets, no subscriptions, no account needed. Just add your debts and start climbing out.

SMART DEBT TRACKING
- Add all your debts in one place
- Credit cards, car loans, student loans, and more
- Track balances, interest rates, and minimum payments

PERSONALIZED PAYOFF PLAN
- Debt Snowball: pay smallest debts first for quick wins
- Debt Avalanche: pay highest interest first to save more money
- See your exact debt-free date — instantly

DEBT COACH (WORKS OFFLINE)
- Built-in coach that knows YOUR actual debts
- Get personalized payoff advice — no internet needed
- Motivational guidance to keep you going when it gets hard

EXPORT & SHARE
- Export your full debt summary as PDF or Excel
- Share your progress with anyone in seconds

TRACK YOUR PROGRESS
- Mark debts as paid and celebrate every win
- Hit milestones on your journey to financial freedom
- Watch your total debt shrink over time

STAY ON TRACK
- Weekly reminders every Monday so you never miss a payment

PERSONALIZE YOUR EXPERIENCE
- Light mode, dark mode, and auto theme
- Supports Philippine Peso ₱ and all currencies

PRIVACY FIRST
- No account or sign-up required
- Your data never leaves your device
- Works 100% offline, always

Your debt won't pay itself. Start climbing out today.

Quoi de neuf dans la dernière version ?

Bug Fixes
- Fixed "Debt Free In" showing inaccurate payoff time — now uses proper amortization with each debt's own interest rate
- Fixed payment history progress counting transactions instead of actual months paid
- Fixed due date badge not updating after payment — now correctly shows "Paid" after logging a payment and resets automatically each month

Improvements
- Debt Free In now displays in years and months (e.g. "24 yrs 11 mo.")
- History progress pill now shows % paid + time remaining in one line
- Each debt calculated independently for accurate payoff estimates

New
- Export per debt — download individual debt history as PDF or Excel from the history screen
- Due date tracking — debt cards now show a green "Paid" badge when you've paid that month, yellow when due soon, and red when overdue