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Debt Payoff Planner & Tracker

Easily get a plan and stick to it - OxbowSoft LLC · Build 2.54

com.oxbowsoft.debtplanner
Static analysis completeScanned 2026-10-13 12:50 UTC

Static checks identify review items, not a guarantee of safety.

Overview

Analysis recorded

4 finding categories to review

Debt Payoff Planner & Tracker (com.oxbowsoft.debtplanner) scored grade A, 97 out of 100, in a static scan of version 2.54 on 2026-10-13. It has no high or critical findings, and 4 lower-severity finding categories across 4 occurrences. 6 tracking SDKs are present in the package, which describes what ships, not what runs or what it sends. This is static analysis of a single build: it does not observe the app running and does not establish that any data is exposed.

Finding categories44 occurrences
High / critical0Category count
Tracking SDKs6Presence, not observed traffic
Assessment score97 / 100Grade A

Start with these findings

lowFirebase Realtime Database reference1 occurrence

Interpretation & review guidance

A Firebase Realtime Database URL. Nearly every app that uses Firebase ships one. It's only an exposure if the database rules are world-readable — that's what live verification checks.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.
lowFirebase Storage bucket reference1 occurrence

Interpretation & review guidance

A Firebase Cloud Storage bucket reference (the default <project>.appspot.com). Storing user files here is normal — it's only an exposure if the Storage security rules allow public read/list, which live verification tests.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.
lowGoogle API key (client-shipped; restriction unverified)1 occurrence

Interpretation & review guidance

Android apps are designed to ship Google API keys in the client; Google restricts them by app signing certificate + enabled API. This is only a problem if the key is left unrestricted — presence alone is expected, not an exposure.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.
View all 4 categories

Privacy

11 requested permissions · 0 flagged high-risk classes.

Review privacy signals →

Build & components

41 components recorded. Certificate parsing does not validate APK signature integrity.

Inspect build evidence →

Findings

4 categories · 4 occurrences. Severity totals describe categories. Expand a finding for interpretation and review guidance.

lowFirebase Realtime Database reference1 occurrence

Interpretation & review guidance

A Firebase Realtime Database URL. Nearly every app that uses Firebase ships one. It's only an exposure if the database rules are world-readable — that's what live verification checks.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.

Evidence preview

Evidence type
Static string match
Representative location
resources.arsc
Recorded match
Pattern recorded; identifying value redacted.
Detector rule
firebase_db
Recorded file locations
  • resources.arsc

1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.

Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.

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lowFirebase Storage bucket reference1 occurrence

Interpretation & review guidance

A Firebase Cloud Storage bucket reference (the default <project>.appspot.com). Storing user files here is normal — it's only an exposure if the Storage security rules allow public read/list, which live verification tests.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.

Evidence preview

Evidence type
Static string match
Representative location
resources.arsc
Recorded match
Pattern recorded; identifying value redacted.
Detector rule
firebase_storage_bucket
Recorded file locations
  • resources.arsc

1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.

Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.

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Search recorded evidence and save private review notes with Pro. $99/month plus applicable tax.

lowGoogle API key (client-shipped; restriction unverified)1 occurrence

Interpretation & review guidance

Android apps are designed to ship Google API keys in the client; Google restricts them by app signing certificate + enabled API. This is only a problem if the key is left unrestricted — presence alone is expected, not an exposure.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.

Evidence preview

Evidence type
Static string match
Representative location
resources.arsc
Recorded match
AIza•••••••• (21–40 chars, redacted)
Detector rule
google_api_key
Recorded file locations
  • resources.arsc

1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.

Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.

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Search recorded evidence and save private review notes with Pro. $99/month plus applicable tax.

infoApplication data is backup-enabled1 occurrence

Interpretation & review guidance

The app allows Android backups (android:allowBackup="true"). App data can then be extracted via adb backup on many devices — a concern if the app stores tokens or personal/health/payment data locally. Common and low-severity, but worth disabling for sensitive apps.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.

Evidence preview

Evidence type
Parsed app configuration
Representative location
AndroidManifest.xml
Recorded match
android:allowBackup="true"
Detector rule
manifest
Recorded file locations
  • AndroidManifest.xml

1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.

Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.

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Search recorded evidence and save private review notes with Pro. $99/month plus applicable tax.

Privacy signals

Capabilities and bundled software do not prove that data was collected or transmitted.

Requested permissions11
Flagged high-risk classes0
Detected SDKs6
Requested permission inventory (11)
  • android.permission.ACCESS_ADSERVICES_AD_ID
  • android.permission.ACCESS_ADSERVICES_ATTRIBUTION
  • android.permission.ACCESS_NETWORK_STATE
  • android.permission.INTERNET
  • android.permission.USE_BIOMETRIC
  • android.permission.USE_FINGERPRINT
  • android.permission.WAKE_LOCK
  • com.android.vending.BILLING
  • com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
  • com.google.android.gms.permission.AD_ID
  • com.oxbowsoft.debtplanner.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION

Data collection & flow (privacy signal, not part of the grade)

Data the app can access
No sensitive runtime permissions requested.
Persistent identifiers (referenced in code)
Advertising ID (AAID)Device ID / IMEI
Where it can go
Third parties present (4)
Google AdMobGoogle Analytics for FirebaseGoogle Firebase AnalyticsGoogle Tag Manager
  • Persistent-identifier APIs referenced in code (Advertising ID (AAID), Device ID / IMEI) with 4 analytics/ad SDK(s) present — the mechanism used for cross-app profiling.

This maps what the app can access (permissions it requests, identifier APIs its code references) to the third parties bundled in it. It reflects capability and SDK presence — not proof that a specific value was transmitted.

Data Safety comparison not recorded.

Trackers & SDKs (6 detected · privacy signal, not part of the grade)

Advertising
Google AdMob
Analytics
Google Analytics for FirebaseGoogle Firebase AnalyticsGoogle Tag Manager
Consent
IAB TCF
Crash reporting
Google Crashlytics

Build & components

Scanned build 2.54. Store metadata may describe a newer release.

APK SHA-2568f6638743e9d1648f13f60cf10bc62b3686aaf99e1653ed65f8d8e2fdd742566

Signing certificate (who signed this build — factual, not part of the grade)

Signer
Unknown self-signed
Scheme
V3V2V1
Key
RSA 2048-bit
Algorithm
sha256WithRSA
Validity
2015-01-05 → 2042-05-23
Cert SHA-256
fe:08:d5:6d:89:e2:5d:7e:62:be:b0:22:b9:7e:6c:cd:79:a0:f1:ab:62:20:b6:12:d5:ae:7b:e4:94:a5:6d:e0

The certificate fingerprint identifies the parsed signing certificate. Knowing this public fingerprint does not establish ownership or validate the APK signature.

Signature integrity: not established by certificate parsing.

Component inventory

41 components. Advisory matching covers a curated set; no match is not proof that a component is vulnerability-free.

Bundled components and recorded advisory matches
ComponentVersionAdvisory matches
androidx.activity:activity1.8.0None recorded
androidx.annotation:annotation-experimental1.4.1None recorded
androidx.appcompat:appcompat1.7.1None recorded
androidx.appcompat:appcompat-resources1.7.1None recorded
androidx.biometric:biometric1.1.0None recorded
androidx.constraintlayout:constraintlayout2.2.1None recorded
androidx.core:core1.15.0None recorded
androidx.core:core-ktx1.15.0None recorded
androidx.credentials:credentials1.6.0-rc01None recorded
androidx.credentials:credentials-play-services-auth1.6.0-rc01None recorded
androidx.cursoradapter:cursoradapter1.0.0None recorded
androidx.customview:customview1.0.0None recorded
androidx.customview:customview-poolingcontainer1.0.0None recorded
androidx.datastore:datastore1.1.7None recorded
androidx.datastore:datastore-core1.1.7None recorded
androidx.datastore:datastore-preferences1.1.7None recorded
androidx.datastore:datastore-preferences-core1.1.7None recorded
androidx.documentfile:documentfile1.0.0None recorded
androidx.drawerlayout:drawerlayout1.0.0None recorded
androidx.emoji2:emoji21.3.0None recorded
androidx.emoji2:emoji2-views-helper1.3.0None recorded
androidx.fragment:fragment1.5.7None recorded
androidx.interpolator:interpolator1.0.0None recorded
androidx.legacy:legacy-support-core-utils1.0.0None recorded
androidx.loader:loader1.1.0None recorded
androidx.localbroadcastmanager:localbroadcastmanager1.0.0None recorded
androidx.print:print1.0.0None recorded
androidx.privacysandbox.ads:ads-adservices1.1.0-beta11None recorded
androidx.privacysandbox.ads:ads-adservices-java1.1.0-beta11None recorded
androidx.profileinstaller:profileinstaller1.4.0None recorded
androidx.recyclerview:recyclerview1.4.0None recorded
androidx.savedstate:savedstate1.2.1None recorded
androidx.startup:startup-runtime1.1.1None recorded
androidx.tracing:tracing1.2.0None recorded
androidx.vectordrawable:vectordrawable1.1.0None recorded
androidx.vectordrawable:vectordrawable-animated1.1.0None recorded
androidx.versionedparcelable:versionedparcelable1.1.1None recorded
androidx.viewpager:viewpager1.0.0None recorded
kotlinx:coroutines_android1.9.0None recorded
kotlinx:coroutines_core1.9.0None recorded
kotlinx:coroutines_play_services1.9.0None recorded
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About this app · store information

About this app

Simple way to take control, stay motivated and save - plan, track, celebrate

Content ratingEveryone
Download size4.9 MB
Privacy policyPublished →

Screenshots

App screenshotApp screenshotApp screenshotApp screenshotApp screenshotApp screenshotApp screenshotApp screenshot

Scan history

Each row is an observed scan. Gaps between scans do not establish how long a finding existed.

Scanned (UTC)BuildScoreGrade
2026-10-13 12:50 UTC2.5497A
2026-10-06 11:57 UTC2.5497A
2026-09-02 10:53 UTC2.5496A
2026-09-01 06:26 UTC2.5496A

View changes between the last two scans →

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Exports describe the recorded assessment. Signed evidence proves origin and integrity, not completeness or safety.

Coverage & gap matrix · Verify signed evidence

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apk-scanner.com exposure grade
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