# Sail - Debt Tracker & Planner — Monthly Payments & Annual Rate

> Monthly Payments & Annual Rate (iPhone/iPad app by 娣 张.)

- Source: https://appshunter.io/ios/app/sail-debt-tracker-and-planner/id6775908463 (this page in markdown: same URL + `.md`)
- Developer: [娣 张](https://appshunter.io/developer/1896712556)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 10 MB
- Languages: American English, Chinese (Simplified, China), Chinese (Traditional, Taiwan)
- Released: 2026-08-01
- Data updated: 2026-11-10

## What is Sail?

Track your debts, plan repayments, and see your progress toward paying them off. Sail brings mortgages, car loans, personal loans, and installment balances into one calm view.

Our hope is that one day you can uninstall Sail because you have paid off your debts and reached the shore.

KEEP YOUR REPAYMENTS IN VIEW

See your remaining principal, estimated interest, monthly payments, upcoming amounts due, and projected payoff date.

Review the principal and interest in each scheduled payment. Record prepayments, rate changes, repayment plan adjustments, and payoff events so future schedules reflect the changes you enter.

CALCULATE BEFORE YOU DECIDE

Monthly payments
Enter your loan amount, interest rate, term, and repayment method to estimate payments, total interest, and the payment schedule.

Early repayment
For loans with equal monthly or equal principal payments, compare the interest savings from reducing payments or shortening the term. Enter the details yourself or use an existing loan. For a loan with multiple components, select one component to compare.

Effective annual interest
Estimate a compounded annual interest rate from the loan amount, total interest, and number of payments, assuming equal monthly repayments.

SEE HOW FAR YOU HAVE COME

As your principal balance falls, your boat moves closer to shore. See the progress you have made alongside the journey ahead.

- Import and export backup files.
- Create progress images to share, with the option to hide amounts.
- Use Dark Mode.
- Check progress with Home Screen widgets in Sail Pro.

FREE TO START

Manage one debt entry for free, with basic records, repayment schedules, and calculators. A combined mortgage counts as one debt entry.

A one-time purchase of Sail Pro unlocks:
- Unlimited debt entries and a combined overview.
- Private iCloud sync across devices.
- Home Screen widgets.

Sail Pro is a one-time purchase, not an auto-renewing subscription.

YOUR DEBT RECORDS STAY YOURS

Your debt records are stored on your device. For Pro users, iCloud sync is enabled by default and can be switched off in Settings. Synced records are stored in your private iCloud database, which the developer cannot view.

Sail has no ads, does not sell personal information, and does not use cross-app ad tracking. Firebase provides basic usage analytics, and RevenueCat provides purchase analytics. These analytics do not include the loan names, debt amounts, interest rates, or repayment records you enter. See the privacy policy for details.

ABOUT THE ESTIMATES

Calculations use the information you enter and supported repayment rules. They cannot account for every fee, prepayment penalty, daily interest calculation, or lender-specific rule. Your loan agreement and lender statements determine the actual amounts due.

Sail is for personal recordkeeping and planning. It does not provide financial, investment, tax, or legal advice.

Contact and support:
malistudiolab@outlook.com

Privacy policy:
https://ujaze9odwg.feishu.cn/wiki/B2dOwM60vitlAukQLjUc7I87nqg

Terms of use (Apple Standard EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 轻帆 Pro | $3.99 | one-time |


## Is Sail safe?

Not enough ratings yet to assess Sail.

## Is Sail legit?

Sail - Debt Tracker & Planner appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Sail is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 0.6.0 — 2026-11-09

Sail now supports more languages.

Choose your preferred language and display currency in Settings. Keep track of every debt and see your progress with each payment.

We’ve also made a few everyday improvements. Loan details are easier to enter, amounts are easier to read, and moving between screens feels smoother.

Here’s to the day you’re debt-free.

### 0.5.0 — 2026-11-08

Sail now speaks English.

Choose Chinese or English and your preferred display currency in Settings. Keep every debt in view, and follow your progress with each payment.

We’ve also made a few everyday details feel better: easier loan entry, clearer balances, and smoother navigation.

Here’s to the day you’re debt-free.

### 0.4.0 — 2026-11-03

新增三个贷款计算工具，帮你把还款安排算清楚：

· 月供计算：查看预计月供、利息合计和每期还款明细。
· 提前还款：试算减少月供或缩短期限能省多少利息，支持带入已有贷款。
· 实际利率：根据贷款金额、总利息和期数，估算真实年化利率。

### 0.3.0 — 2026-10-18

这次把「添加贷款」重新整理了一遍，填写会更顺一些。

先选类型，再按分组一步步填写；组合贷可以分段录入，填到一半退出也会保留草稿。还款进度只需填任意两项，第三项自动算，核对后再保存。

已有贷款不需要重新录入，原计划不会改变。

### 0.2.0 — 2026-08-30

希望你早日卸载轻帆。

这次更新，我们重新梳理了添加贷款的流程。
对于经历过调息、提前还款或计划调整的贷款，现在可以直接以实际月供或剩余本金作为计算起点，
让未来月供、剩余利息和靠岸时间更贴近真实情况。

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## More apps by 娣 张

- [CardBox - ID Scanner & Wallet](https://appshunter.io/ios/app/cardbox-id-scanner-and-wallet/id6770082406)
- [24 Frames - Rediscover Photos](https://appshunter.io/ios/app/24-frames-rediscover-photos/id6813812110)

All apps by 娣 张: https://appshunter.io/developer/1896712556

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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 2026-11-10.*