What you owe.
Done.
Build a clear payoff plan, compare Snowball and Avalanche, test extra-payment scenarios, and see the date your debts can be finished — without connecting a bank account.
Turn balances into a plan.
OWEDONE focuses on the practical questions: what to pay first, how long it will take, what interest may cost, and what changes if you can put a little more toward the plan.
See the finish line
Get a projected payoff date, estimated interest, total monthly repayment and payoff order from the debts you enter.
Snowball or Avalanche
Compare the motivational simplicity of smallest-balance-first with the interest-saving logic of highest-APR-first.
Test extra payments
Model +$50, +$100 and +$250 monthly scenarios before changing your real-world repayment plan.
Earn More
Explore a curated opportunity catalogue ranked on-device to your inputs. Version 1.0 does not pull live vacancies.
Local-first by design
Your debt-plan data stays on your device in the current build. There is no account and no server transmission of your plan.
Backups you control
Save a JSON backup, share it through Android's share sheet, and import it later when you need to restore your plan.
Your debt plan is not an ad profile.
OWEDONE 1.0 is deliberately local-first. The app does not require an account, does not connect to your bank, and does not send your debt-plan data to an OWEDONE server.
Choose the order that suits the goal.
Snowball prioritizes smaller balances. Avalanche prioritizes higher interest rates. OWEDONE lets you switch and compare rather than treating one method as universally right.
Clear answers.
Does OWEDONE connect to my bank?
No. OWEDONE 1.0 has no bank connection. You enter the debt information you want to use in your plan.
Does OWEDONE send my debt data to a server?
No in the current build. Debt-plan data is stored locally on your device. The backup and share features act only when you choose to use them.
Does Earn More search live jobs or vacancies?
Not in version 1.0. Earn More ranks an internal curated opportunity catalogue and can prepare a local AI brief, but there is no live vacancy feed or live AI backend yet.
Is there a subscription?
No. The launch model is a one-time paid Android app with no subscription or in-app upsell planned for version 1.0.
Is OWEDONE financial advice?
No. It is a planning and calculation tool. Results are estimates based on the information you enter and should not be treated as financial, legal or debt-counselling advice.
OWEDONE 1.0 is being prepared for Google Play.
One-time purchase. No subscription. No account.