Easy Peso

Oliver Bennett

About this app

Easy Peso is an offline planning tool for people who want to use a one-time available amount to evaluate full payoffs of existing debts. Enter your current obligations, set aside a protected reserve, and compare possible payoff combinations based on the information you provide.

With Easy Peso, you can manually record existing debts, including the current principal balance, fixed annual interest rate, required monthly payment, next payment date, and any known additional amount needed for full payoff, such as a fee. All obligations use one selected currency, with no currency conversion.

Easy Peso shows your current debt balance, required monthly payments, and upcoming planned payments in a compact overview. The main planning area lets you enter a one-time amount and a protected reserve, then review which existing debts could potentially be fully paid within the available amount.

The main calculation in Easy Peso looks for a combination of full debt payoffs that releases the largest amount of the monthly payments you entered while staying within the available budget. The calculation uses an exact combination search with practical limits rather than presenting an approximate selection as a guaranteed maximum. When several combinations release the same monthly payment amount, the calculation can prefer lower costs and then use a stable debt order.

With Easy Peso, you can also fix a particular full payoff or exclude one from consideration and recalculate the result. If fixed payoffs exceed the available amount, the application clearly indicates that the proposed plan is not affordable and does not save it as a valid plan.

The Easy Peso result shows the selected full payoffs, their calculated costs, the remaining one-time amount, the protected reserve, and monthly obligations before and after the proposed payoffs. If the available amount is not enough to fully close any debt, the result explains the situation while allowing you to change the amount or selection.

Easy Peso does not treat a partial payment as an automatic reduction of a required monthly payment. The calculation is focused on complete payoffs of selected existing obligations. The estimated payoff cost is based only on the information entered by the user and may differ from the actual amount required to close a debt.

For saved plans, Easy Peso creates an immutable snapshot of the original conditions and calculated result. A saved snapshot does not mark debts as actually paid. You can open, rename, or delete saved plans while keeping the original calculation unchanged.

The payment plan in Easy Peso provides a dated view of proposed full payoffs followed by regular payments for remaining debts. The calculation uses monthly interest based on a fixed annual rate, payments at the end of the calculation period, and a reduced final payment. Additional payoff costs are kept separate. Unknown fees or lender-specific rules are not invented.

Easy Peso also lets you record an actual payment manually with its amount and date. Planned payments and actual payment records remain separate. A user can independently mark a debt as actually fully paid, which updates the current obligation data while leaving the saved snapshot unchanged.

The application works completely offline. Easy Peso does not require an account, network connection, remote financial data, lender integration, or access to external creditor systems. Your debt information, plans, payment records, and local notes remain on the device.