# Rateo - BNPL Tracker — All your installments, one app

> All your installments, one app (iPhone/iPad app by Fabrizio Marinelli.)

- Source: https://appshunter.io/ios/app/rateo-bnpl-tracker/id6809891707 (this page in markdown: same URL + `.md`)
- Developer: [Fabrizio Marinelli](https://appshunter.io/developer/6809891709)
- Category: Finance, Shopping
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 30 MB
- Languages: American English, Italian
- Released: 2026-10-08
- Data updated: 2026-10-26

## What is Rateo?

Never miss an installment again.

Every "pay later" provider has its own app, its own calendar and its own reminders. Rateo brings them all together in one place: a clear view of what you owe, to whom, and when, including installments on credit cards and bank accounts.

Download Rateo and stop chasing due dates scattered across ten different apps.

WHAT IT DOES
- A dashboard with all your active plans, sorted by due date
- A calendar to see what is due in the coming days
- Reminders so a charge never catches you off guard
- Add a plan in seconds: provider, amount, number of installments, first due date
- Mark installments as paid and track what is left to pay

YOUR DATA STAYS YOURS
No account, no login, no cloud. All your data is stored only on your phone.

WITH RATEO PRO
- Unlimited plans (the free version includes up to 3 active plans)
- Purchase simulator: see how a new purchase changes your upcoming months before you buy
- Spending analytics by month, provider and category
- Wishlist, to evaluate a purchase before turning it into a real plan
- Data backup and JSON export

Rateo is not a loan, mortgage or investment app: it does not provide credit and does not replace your provider or your bank. It is simply the tool you were missing to keep everything under control.

SUBSCRIPTION
Rateo PRO is available as an auto-renewing annual subscription or as a one-time Lifetime purchase. Payment is charged to your Apple ID account at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time in your Apple ID account settings.

Privacy Policy: https://sites.google.com/view/rateo-bnpltracker
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Rateo PRO Annual | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Rateo PRO Lifetime | $49.99 | one-time |


## Is Rateo safe?

Not enough ratings yet to assess Rateo.

## Is Rateo legit?

Rateo - BNPL Tracker has limited verification signals. The AppsHunter Legitimacy Score for Rateo is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 1.0.6 — 2026-10-20

Rateo PRO: clearer messages when a purchase fails, is pending approval, or when restoring purchases doesn't work
Rateo PRO: the screen shows the 7-day free trial only when it is available for your account
On first launch, the app now opens in your phone's language: Italian if your phone is set to Italian, English for all other languages. You can always change the language in Settings
After you mark a few installments as paid, the app may ask you to rate it
General stability improvements

### 1.0.4 — 2026-10-16

Fixed an issue that prevented the app from opening on iPhones running iOS 27.
Compatibility improvements for the latest versions of iOS.

### 1.0.3 — 2026-10-14

- Lighter, more optimized app with improved performance
- Report a problem: attached screenshots are now resized automatically
- Updated internal components for better stability and compatibility
- General stability improvements

### 1.0 — 2026-10-08

No release notes.

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*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 2026-10-26.*