Your information stays on your device.

Information you enter

You may manually enter a card nickname, balance, annual percentage rate, monthly payment, and target payoff date. This information is stored only on your device and is used to calculate payoff estimates.

The app does not connect to a bank, card issuer, or financial account and does not ask for card numbers, login credentials, or identity information.

Data collection and tracking

The current version does not use advertising, analytics, tracking, third-party software development kits, or remote servers. The developer cannot view or retrieve information stored in the app.

Sharing

If you choose to share a payoff summary, the app opens the iOS share sheet. You decide which person, app, or service receives that summary. Information shared through another service is handled under that service's privacy policy.

Retention and deletion

Information remains on your device until you delete a saved card or uninstall the app. Because the developer does not receive this information, there is no server-side account or record to delete.

Children's privacy

The app is not specifically directed to children and does not knowingly collect personal information from anyone, including children.

Policy changes

This policy may be updated if the app's features or data practices change. The effective date above will be revised when an updated policy is published.