DebtSweep

A blessing, not a weight, for people getting out of debt. Envelope budgeting plus a debt tracker. Give every dollar a job, sweep leftovers at the snowball.

DebtSweep is a digital envelope-budgeting app for people getting out of debt. Give every dollar a job, sweep leftover money to your debts or savings at the end of each period, and track your payoff with snowball or avalanche.

No subscriptions. No bank linking. No ads. One purchase, $2.99, yours forever.

What's inside

— Envelopes: dedicate every dollar of income to a category before you spend it. Roll the leftover forward, sweep it to your debt or savings, or zero it out — your call, per envelope.

— Periods: monthly or paycheck-based. Pick the cycle that matches the way you actually get paid. Future-date your first period if your next paycheck is days away — DebtSweep will wait until your money is real before starting the clock.

— Quick log: one tap on the dashboard, pick the envelope, type the amount. Optional merchant, note, and check-number for cash/check/card tracking.

— Reconcile cards: per-card report so you can compare what DebtSweep says you spent against your statement before you pay the card off. Plain-text export to share or save.

— Debts: list every debt, see the total, watch the progress ring fill as you pay them down. Switch between snowball (smallest balance first — quick wins) and avalanche (highest APR first — least interest paid).

— Reports: 6-month spending trend per envelope, cash flow per period, and debt progress over time.

— Badges: 55 unlockable achievements for funding envelopes, hitting payoff streaks, and building the habit. A trophy case to brag.

— Widgets: home-screen and lock-screen widgets show your period at a glance — days left, spent vs funded, and your top envelopes.

— iCloud sync: your budget and history follow you across iPhone and iPad, encrypted in your private iCloud database. Nothing leaves Apple's servers. We can't see it.

What's not inside

— No bank login, ever. We don't pull transactions automatically — you log them yourself, on purpose. The friction is the point. — No subscription, no upsell. The whole app is in the $2.99. — No advertising or analytics SDKs.

Who it's for

You. Because you already know what your bills are. You already know what you make. You don't need software that connects to your bank and lectures you. You need a simple ledger that gives every dollar a job, watches the period burn down, and shows you the day you become debt-free.

A blessing, not a weight.