Features

Features that make a difference

Every feature in Ascent is designed with privacy, partnership, and progress in mind.

Privacy First

Your data, your control

Your financial data is stored locally on your device. If you're signed into iCloud, it syncs across your Apple devices through your iCloud account. Waypoint never sees your data — we can't access it.

  • No Waypoint account required
  • Stored on your device + your iCloud
  • We never access your financial data
  • Delete everything anytime in Settings

Data Architecture

Zero-knowledge design

Your iPhone

Local storage

Your iCloud

Encrypted sync

Waypoint Servers

No access

Smart Strategies

9 payoff strategies

Most debt apps give you 3. Ascent gives you 9 — including Tsunami, our unique stress-based approach.

Free

Debt Snowball

Pay smallest balances first for quick wins

Debt Avalanche

Target highest interest rates first

Hybrid

Adjustable blend of Snowball and Avalanche

Premium

Zero-Interest First

Prioritize 0% promos before they expire

Debt Tsunami

Target high-stress debts first

Quick Wins First

Clear small debts fast, then optimize

Hybrid Plus

Three-layer weighting: balance + APR + stress

Balanced

Even progress across all debts

Custom Ratios

You define exact payment percentages

PartnerSync (Optional)

Solo-first, partner-optional

Built for individuals first. Invite a partner to share progress and tackle debt together — you control exactly what's shared. Requires Premium for both partners.

  • Real-time sync via Apple's CloudKit
  • Choose which debts to share
  • Shared or Joint payment tracking
  • Either partner can leave anytime
You

$680/mo

synced

AJ

$520/mo

Combined monthly payment

$1,200

Debt-free 8 months sooner

All debt types supported

From credit cards to mortgages, Ascent handles every type of debt in your financial life.

Credit Cards

New

Buy Now Pay Later

Student Loans

Auto Loans

Mortgages

Personal Loans

Medical Bills

Tax Debt

Other Debt

Track Affirm, Klarna, Afterpay, and other installment plans. Ascent handles Pay-in-4 and longer-term BNPL properly.

Promo Tracking

Never miss a 0% deadline

Credit cards and store cards often come with 0% promotional rates that expire. Miss the deadline and you could owe retroactive interest. Ascent tracks promo expiration dates and alerts you before it's too late.

  • Track 0% promo periods on credit cards
  • Store card financing (furniture, electronics, etc.)
  • Alerts before your promo expires
  • Zero-Interest First strategy auto-prioritizes these

Promo Alerts

Best Buy Card

$2,100

0% APR until Mar 15, 2026

38d left

Chase Slate

$3,800

0% APR until Jul 1, 2026

146d left

Citi Simplicity

$1,500

0% APR until Dec 2026

299d left

Insights

Debt-free date projection
Interest savings calculator
What-If scenario simulator
Milestone celebrations
Progress Insights

Stay motivated with data

Beautiful visualizations and meaningful insights help you understand your progress and stay motivated on your debt-free journey.

Coming soon to the App Store

Be the first to experience these features when Ascent launches.

Get Early Access