# Sincap: Bills & Installments — Debt, Card & Expense Tracker > Debt, Card & Expense Tracker (iPhone/iPad app by Mert Cem CANLI.) - Source: https://appshunter.io/ios/app/sincap-bills-and-installments/id6760716840 (this page in markdown: same URL + `.md`) - Developer: [Mert Cem CANLI](https://appshunter.io/developer/1891346479) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 16.0 · 18 MB - Languages: American English, Turkish - Released: 2026-03-23 - Data updated: 2026-09-01 - User reviews in markdown: https://appshunter.io/ios/app/sincap-bills-and-installments/id6760716840/reviews.md ## What is Sincap? Installments, credit card statement periods, money you lend or owe, and subscriptions in one place. Pick your payday: balance, budgets, reports and widgets follow your own month. No bank login, no ads, your records stay on your iPhone. INSTALLMENTS AND FIXED PAYMENTS - Enter an installment purchase once; the remaining months are created for you and shown as "3/12". - Plan recurring and fixed payments; anything marked as pending can remind you 1, 3, 7 or 14 days before it is due. - Pending payments list with overdue count, total amount and swipe to mark as paid. CREDIT CARD STATEMENT CYCLE - Add a card with its limit, statement day and payment due day. - The cycle follows your statement day, not the calendar month. - See cycle spending, limit usage and what is left for this cycle. - Payment method and per-card breakdown in reports. DEBTS AND LOANS BETWEEN PEOPLE - Track what you owe and what people owe you: name, amount, due date. - Add partial payments, follow paid and remaining progress, see closed and overdue badges. - Reminders before the due date; optionally post the payment to your expenses. SUBSCRIPTIONS - Weekly, monthly, quarterly and yearly cycles; upcoming renewals and days left. - Monthly and yearly total subscription cost. - The free version shows how many subscriptions need review and their yearly cost; Pro shows which ones, with a reason: no matching spending, a large share of your monthly spending, or a year of uninterrupted renewals. YOUR PAYDAY MONTH - Set the month start anywhere from the 1st to the 28th and let every screen follow it. BUDGETS, GOALS AND REPORTS - Category limits, overspending alerts, comparison with the previous month. - Savings goals with milestones, contribution history and a target date. - Weekly, monthly, quarterly and yearly reports; savings rate, cash flow, category breakdown. - Create and share a PDF financial report. - Financial health score, end of month forecast and automatic insights. STAYS ON YOUR DEVICE - No bank connection, no account linking; your financial records are never uploaded to a server. The only external connection is subscription purchase validation. - Backups are encrypted with a key stored in your device Keychain, plus an automatic recovery copy before every restore. - No ads, no data selling. ALSO INSIDE - 4 widgets: balance, budget ring, upcoming subscriptions and Lock Screen. - Siri Shortcuts to add an expense or income and to ask for your balance or remaining budget. - Spotlight search across your past transactions. - On device category suggestions that learn from your own choices. - Light, dark and OLED themes, hidden amounts, notifications with quiet hours. - VoiceOver, Dynamic Type and Reduce Motion support. SINCAP PRO Monthly or yearly subscription. The free version includes 3 budgets, 2 goals, 5 subscriptions, 5 debts, 5 cards, 5 custom categories and a PDF report for one period. Pro unlocks unlimited records, subscription review, financial health score, end of month forecast, advanced insights, the full timeline and automatic backups. Your existing records are never locked by a limit. Payment is charged to your Apple Account when the purchase is confirmed. The subscription renews automatically unless it is turned off at least 24 hours before the end of the period; you can manage or cancel it in your App Store account settings. Amounts are shown in the currency symbol you choose; the app does not convert between currencies. App interface is available in English and Turkish. Terms of Use: https://gelirgider.lesmazer.com/terms-of-service Privacy Policy: https://gelirgider.lesmazer.com/privacy-policy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Sincap Pro — Monthly | $2.99 | per month | | Sincap Pro — Yearly | $9.99 | per year | ## Version history (last 5 releases) ### 2.3.0 — 2026-08-24 Voice batch entry: add several transactions in one sentence, then edit them line by line before saving. Pending payments: overdue count, total amount and swipe to mark as paid. Frequent entries: add repeating transactions with one tap. Idle subscription alerts: subscriptions with no matching spending, or a year of uninterrupted renewals, are flagged with a reason. New debt and card badges and challenges. Period navigator in reports: move across week, month, quarter and year. Notifications now start off on a new install; the notification center marks older items as read. New in-app guide that highlights what changed in this version. Noticeably better amount and date parsing in voice entry. Fixed a case that could lose data when restoring a backup; renaming a category now keeps its history. ### 2.2.1 — 2026-08-09 Your debt and card tracking now earns rewards. What's new • Debt and card badges: new badges for your first debt record, paying a debt off in full, becoming debt free, paying steadily and adding your first credit card. • Debt challenges: log a payment this week, close a debt this month, bring your debt balance below last month's. • Card challenge: keep your statement spending below half your limit. • These challenges only appear if you have matching records — no debt challenges if you have no debts. Improvements • Completing a challenge now awards XP and unlocks the challenge badges. • Rewards update instantly when you add a debt or card, or log a payment. • Fixed the free tier description on the Pro screen. • Various small fixes and improvements throughout the app. Your data still stays on your device only. No server, no account, no tracking. ### 2.2.0 — 2026-08-08 Track debts, receivables and credit cards in Sincap. What's new • Debts and Receivables: who owes you and who you owe — with due dates, reminders and partial payments. You can record a payment as an expense at the same time. • Credit Card Accounts: set up each card with its statement day, then see period spending and remaining limit. • Payment Method: mark every expense as cash, debit card, credit card, transfer or other; pick a credit card to link the spending to it. • Custom Period Start: if your month doesn't start on the 1st, choose your payday. The home screen, budgets, reports and the timeline all follow that period. Improvements • Fixed Turkish text appearing on some screens for English users. • Backup and restore made safer; the automatic pre-restore backup is now preserved. • PDF reports, the timeline and budgets now show the same period. • Fixed reminders still arriving after notification settings were turned off. • Layout, tap targets and spacing reworked on iPad. Your data still stays on your device. No server, no account, no tracking. ### 2.0.2 — 2026-07-15 • New: monthly PDF report (Pro) — pick any of the last 12 months. • Polished amount entry across the app. • Minor improvements and bug fixes. ### 2.0.1 — 2026-07-06 • Redesigned amount entry: add cents with the decimal separator, thousands separators appear automatically as you type. • The same easy input in every amount field: transactions, goals, subscriptions, budgets. • Minor improvements and bug fixes. ## More apps by Mert Cem CANLI - [Gezi Rehberi: Turkey Guide](https://appshunter.io/ios/app/gezi-rehberi-turkey-guide/id6760779069) - [Kodly: QR Code Maker & Scan](https://appshunter.io/ios/app/kodly-qr-code-maker-and-scan/id6762199952) - [Verva: Video Editor & Maker](https://appshunter.io/ios/app/verva-video-editor-and-maker/id6775167104) - [Rivulet: Pipe Flow Puzzle](https://appshunter.io/ios/app/rivulet-pipe-flow-puzzle/id6777948636) - [Veduta: Photo Editor & Collage](https://appshunter.io/ios/app/veduta-photo-editor-and-collage/id6782615431) All apps by Mert Cem CANLI: https://appshunter.io/developer/1891346479 ## Related topics [birikim takip](https://appshunter.io/ios/topics/birikim-takip) --- *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 2026-09-01.*