# Grits Payment Tracker > Debt management and tracking tool with AI insights and optional Plaid integration. (iPhone/iPad app by Mingming Li.) - Source: https://appshunter.io/ios/app/grits-payment-tracker/id6762173618 (this page in markdown: same URL + `.md`) - Developer: [Mingming Li](https://appshunter.io/developer/1893234451) - Category: Finance, Lifestyle - Price: Free - Rating: 5.00/5 from 3 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 24 MB - Languages: English - Released: 2026-04-16 - Data updated: 2026-06-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/grits-payment-tracker/id6762173618/reviews.md ## What is Grits Payment Tracker? Grits Payment Tracker helps you organize and monitor your debt accounts with a clean, focused workflow. Use Grits Payment Tracker to: Track balances, minimum payments, due dates, APR, and account details. Privacy and control: Sign in with email/password Per-user data isolation Optional Personal AI Service with your own OpenAI API key If you do not use your own key, AI features can run through the app’s shared service Legal documents (Terms, Data Disclosure, Privacy Policy) are available in-app Important: Grits Payment Tracker is an educational and organizational tool. It does not provide financial, legal, tax, or investment advice. View balance history over time and monthly trend charts Get payment reminders before due dates Scan statements from images or files to extract key payment info Chat with AI about your debt snapshot and trends Import eligible debt accounts with Plaid (optional) Keep data local or sync to Firebase backup (you control this in Settings) ## Key features - Track debt balances, payments, and due dates - Scan statements from images/files - AI chat for debt insights - Payment reminders - Import accounts with Plaid - Balance history and trend charts ## Frequently asked questions about Grits Payment Tracker ### How secure is Grits Payment Tracker? Grits Payment Tracker uses email/password sign-in with per-user data isolation. You can control data storage by keeping it local or syncing to a Firebase backup. Legal documents are available in-app for transparency. ### Does Grits Payment Tracker have ads? No, Grits Payment Tracker is ad-free. It is a free application that does not display advertisements. ### What financial institutions does Grits Payment Tracker support? Grits Payment Tracker supports importing eligible debt accounts through Plaid. Plaid is a service that connects to many financial institutions, but specific compatibility should be checked with Plaid directly. ### How often is Grits Payment Tracker updated? The latest version, 3.0, was released on April 24, 2026, indicating recent development activity. Updates are crucial for maintaining security and adding new functionalities. ### What devices can I use Grits Payment Tracker on? Grits Payment Tracker is available for iPhone and iPad devices. It is designed to run on Apple's mobile operating systems. ### What is the age rating for Grits Payment Tracker? Grits Payment Tracker has an age rating of 4+. This indicates it is suitable for users of all ages, with no mature content. ### Can I get financial advice from Grits Payment Tracker? No, Grits Payment Tracker is an educational and organizational tool. It does not provide financial, legal, tax, or investment advice. Consult with a professional for such guidance. ### What are the AI features in Grits Payment Tracker? Grits Payment Tracker offers an optional Personal AI Service. You can use your own OpenAI API key or the app's shared service to chat with AI about your debt snapshot and trends. ## Version history (last 3 releases) ### 3.0 — 2026-04-24 Added balance history line chart (monthly trend, latest six months) Improved onboarding with a required in-app user agreement before profile setup Enhanced AI chat context with account balance history for better answers Upgraded AI response style for clearer totals-first breakdowns Added confirmation prompts for Plaid refresh and Firebase sync actions Updated Home screen actions: quick “+” upload entry beside “Your Cards” Improved card detail actions with compact edit/delete icons and delete confirmation Refined Sign Up legal links layout and updated policy URLs Added legal links (Terms, Data Disclosure, Privacy Policy) to Settings > About Multiple UI/UX polish improvements and bug fixes ### 2.0 — 2026-04-22 Dedicated Calendar experience New Calendar tab with monthly due-date visualization. Interactive due dates (tap/hover) showing which cards are due without leaving the screen. Monthly payment list integrated under the calendar. Actionable payment workflow Users can mark monthly payments as paid directly in the calendar list. Paid items automatically move to the bottom for clearer prioritization. Payment rows reuse the same card-style presentation as allocation guide for UI consistency. Improved debt intelligence Enhanced planner with strategy comparison (Promo-first, Avalanche, Snowball). Better promo/deferred handling in simulation outputs and allocation guidance. Month-based due-date visualization replaces flat month-by-month table. Richer statement extraction Upload extraction now captures promo terms (promo type, promo APR, promo end date, deferred back-charge APR) when available from statements. Promo fields are persisted and flow into planning logic. Stability and UX improvements Upload processing timeout handling to prevent “stuck processing” states. SwiftData startup/migration hardening for real-device compatibility. Cleaner navigation structure: tabs focused on core journeys (Home, Planner, Calendar, Chat, Settings), with upload moved into Home flow. Content/policy polish Settings language updates (e.g., “Disclaimer” section naming). Consolidated PRD structure for clearer roadmap and implementation alignment. ### 1.0 — 2026-04-16 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-26.*