InDebt

Version 6.0: Payment Schedule & More! NEW: Payment Schedule Create a full payment schedule for any debt with interest! Choose between annuity (equal payments) or differentiated (decreasing payments) calculation. The app generates a complete amortization table showing principal, interest, and remaining balance for each payment. Early Repayment: make early payments at any time and choose how to apply them — reduce the remaining term or lower the monthly payment. The schedule recalculates automatically. Late Payment Penalties: configure automatic penalty charges for overdue scheduled payments — fixed amount or percentage of the debt, one-time or per day of delay. Penalties can be tracked separately or added to the debt balance with schedule recalculation. Payment Reminders: enable notifications for upcoming scheduled payments with a custom reminder time. Tap a notification to jump straight to the debt. NEW: Debt Top-Up Add additional funds to any existing debt. For debts with a schedule, choose whether to extend the term or increase the monthly payment — the schedule recalculates from the top-up date. Improved Privacy The app screen is now hidden and blurred in the iOS multitasking switcher when biometric authentication is enabled — just like banking apps. Enhanced Export Share complete debt details: full payment schedule, early repayments, top-ups, penalties, interest breakdown, and total outstanding balance. History: Sorting & Filtering Sort closed debts by date, name, amount; filter by debtor/creditor, currency, or overdue status.