Decision Debt

Capture decisions, manage your to-do list, and stay on top of Decision Debt. Now with Siri and Shortcuts support for faster, hands-free access to your tasks

Most of what drains you isn't on your to-do list. It's the decision you haven't made — the one sitting open, unresolved, quietly costing you attention every day it stays that way.

Decision Debt makes that cost visible.

Log the calls you're deferring. Score each one on stakes and reversibility — how much rides on it, how hard it is to undo. The app prices what deferring is costing you, and shows you exactly why: every number traces back to your own inputs, nothing hidden.

Deadlines shift what you tackle first without changing what the delay costs — so a small call due tomorrow can outrank a bigger one due next year, and your headline number stays an honest measure of accumulated cost, not a scheduling gimmick.

Settle a decision — decide it, delegate it, or dismiss it — and watch the debt clear. Build a track record: how fast you settle, how much you clear, how the pattern improves over time.

Based on the Decision Debt framework from the Decisive Edge series.

What it does: — Logs deferred decisions with two inputs: stakes and reversibility — Prices the cost of delay as it accumulates — Prioritizes by urgency without corrupting the debt score — Tracks your settle rate and carry time over time — Explains every number — no black box

Privacy: Everything stays on your device. No account, no server, no data collection. Your decisions never leave your phone.