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Personal Debt Clock

  • #: 20821
  • Price: $9.99 In Apple Store
  • Category: Finance
  • Updated: 2009-07-13
  • Current Version: 2.0
  • 2.0
  • Size: 0.20 MB
  • Language: English
  • Seller: Ben Black
  • Requirements: Compatible with iPhone, iPod touch (2nd generation), iPod touch (3rd generation), iPod touch (4th generation), and iPad. Requires iOS 2.2.1 or later
  • © 2009 Ben Black
  •  Add to Favorite apps



-Personal Debt Clock helps you visualize your progress towards becoming debt free, displaying a countdown of the number of years, months, days, hours, minutes and seconds until your mortgage is paid off.

-When you make an overpayment, the final payment date will change. You might be surprised at how much earlier the final payment date is by just making one overpayment.

-Tap the countdown screen for other options, such as editing loan info., overpayments, and viewing the amortization table.

-Specify your loan amount, loan term in months (15 years = 180 months, 30 years = 360 months), the date of the first payment and the interest rate.

-Easily edit overpayments. You can add and remove overpayments. If you need to start over, you can even delete all of your overpayments at once.

-View the amortization of the loan. Note how the overpayments you have made affect the amortization table. The more overpayments you make, the shorter the table gets.

-You can also add overpayments from the amortization table.

What's New in Version 2.0

Enhanced debt clock screen now displays misc. loan information. You will see the benefit of making overpayments at a glance:

Section 1: Loan Cost
- Interest
- Interest To Date
- Principal + Interest
- Loan Length

Section 2: Loan Cost with Overpayments
- Interest
- Interest To Date
- Interest Saved
- Principal + Interest
- Loan Length
- Overpayment Total

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Rated 2/5 based on 2 customer reviews.


2/5 stars

Too simple

Does what it says, but for only 1 debt. What about having/saving multiple debts? I want an app that will help me monitor all my debts. This app is fun to use for a minute or two.

2/5 stars


My family are wanting to taste financial freedom, and thought this app would make it fun to see when it would actually happen. It was easy to use, however, it does not allow you to put multiple accounts onto the "clock." thankfully we only have our home mortgage at this time but what if we wanted to get property or another car? I hope they update this app to allow multiple accounts to be added.


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The information may be outdated (2011-03-27 23:54:03). For actual information go to iTunes

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