Secret Diary with Lock vs Sakura Payments Tracker

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Every month, money leaves several accounts. The more cards you carry, the more scattered the debit dates and amounts become. Ever opened your banking app again and again, wondering "will that account have enough next week?" This app puts all of it in one notebook. It does not connect to your bank or card company. It lines up when and how much will leave, using only the numbers you write yourself. ■ Made for people who ・hold several credit cards with scattered debit dates and amounts ・keep a salary account apart from a living-expenses account and worry about month-end ・want rent and fixed bills in one place ・want to lay out every subscription and review them once ・work part-time and want a rough idea of how far they are from Japan's income thresholds ■ Which account pays what, and when ・One card per debit account. ・Cards charged to the same account are grouped into one total automatically. ・Switch months to see upcoming ones. ・When a payment date falls on a weekend or holiday, it is shown on the next business day (previous business day or as-is are also available). ・For each card, register the closing day, payment day, debit account and the month of the annual fee. ■ Will there be enough? ・Write down the balance you saw in your bank app, and it says how much is short, or that it is enough (with the amount left). ・For an account with no balance written, it says neither. ・The balance is a number you wrote yourself. It may differ from the real one, so use it as a guide. ■ If I buy with this card today, when does it leave my account? ・With the closing day entered, you see which bill today's purchase lands in and when it leaves your account. ・The more cards you have, the harder this gets. Check it quickly before you buy. ■ By when, and how much more ・Enter a condition such as spending needed to waive an annual fee, and you see what remains until the deadline, per month and per day. ・Some payments do not count toward totals (e-money top-ups, taxes, annual fees), and a note appears with them. ・Conditions differ by card. For the final word, check your card company's notice. ■ Rent and electricity too ・Enter a fixed amount once and you do not need to type it every month. ・For this month's bill seen in your card app, just enter that one number. ■ Review subscriptions in the same app ・See the monthly total and a breakdown by category. ・Unused ones, price increases and free-trial end dates appear in the list. ・A quiet reminder comes before a trial ends or a payment date (notifications can be turned on or off in settings). ・Choose which card pays, and it joins the per-account total as it is. ■ Money notes (Japan's systems) ・Income thresholds: enter your cumulative pay and get a rough idea of how much remains before thresholds such as 1.03, 1.06 and 1.3 million yen. ・Furusato Nozei (hometown tax donations): record donations, get a guide to the deduction limit, and check whether gifts, receipts and one-stop forms have arrived. ・Both are guides to Japanese systems. The screen shows which year's rules apply. They do not decide your individual tax or dependent status, and are not advice from a tax professional. ・One employer and donation records for this year and last year are free. ■ Safe to use ・No connection to banks or card companies. No sign-in. ・We never ask for passwords, PINs or card numbers (the last 4 digits only, and optional). ・Your records stay on this device. Nothing is sent out. ・No ads. ■ Pricing Free to use: up to 10 subscriptions and 3 payment methods. A one-time purchase removes the limits. What you already entered keeps working without buying. By SAKURA PRODUCTS