Debt Tracker vs Cobranza Pro

Debt Tracker is a simple IOU manager: keep track of who owes you money, what you've lent, and how much you owe. Record amounts, follow payments, and review everything in one place, without unnecessary complexity. You can create personal debts in multiple currencies and assign them to contacts created inside the app. If you want, you can also sync those contacts with your device address book to import their name and photo, always as an optional feature. This makes it easier to keep everything organized and adapt the app to the way you already work. Key features: - Manage personal debts in multiple currencies - Track every IOU, from the first amount to the last payment - Add partial payments and record multiple payments for the same debt - Check balances by contact and see a global balance - Filter, search, and sort your debt history the way you prefer - Add due dates and set reminders before each payment - Create backups, import data, and export your information whenever you need - Offline app, no account, and your data always under your control > Real payment tracking and up-to-date balances: Each debt can include multiple payments. You can add partial payments as many times as you need and always see how much has been paid and how much is still pending. When the total of all payments reaches the full amount, the debt is automatically marked as paid. Unlike a static list, it always reflects the real state of every debt. > Two ways to review your information: Most people start with the contacts view because it is the fastest way to review debts, answer "who owes me?", and see who you owe. You can quickly review each contact balance and the overall balance at the top of the screen. You also get a dedicated debts tab with search, history, and advanced filters. There you can see all debts, only pending debts, only money owed to you, or only what you owe. You can also change the sorting to review recent changes, amounts, or other criteria. > Due dates and reminders: One of the most useful parts of the app is its due date management. You can add a due date to each debt, see how much time is left, and configure reminders in advance. That way, the app not only stores your records, but also helps you stay ahead of upcoming payments. > Privacy, backups, and exports: This app works with a local database. Your data never leaves your device unless you explicitly decide to take it out yourself, for example through a database export, a CSV export, a clipboard copy, and more. You can also create backups and import your information whenever you need. If you want a private offline app with no account, you stay in control at all times. In short, Debt Tracker brings your IOUs, payments, due dates, reminders, and data export together in one place, so you always know who owes you and what you owe.

Cobranza Pro es la herramienta para prestamistas y pequeños negocios que venden a crédito: registra clientes, préstamos, facturas y pagos, ten claro quién te debe, cuánto y desde cuándo. IMPORTANTE: Cobranza Pro NO es una institución financiera, NO otorga préstamos y NO procesa dinero. Es únicamente una herramienta de registro y administración de tus propias operaciones. DOS MODOS DE USO • Personal: control de préstamos con intereses (simple, cuotas fijas o sin interés), tabla de pagos y saldos al día. • Negocio: ventas a crédito con productos, IVA por concepto y antigüedad de saldos. COBRA MEJOR • Registra abonos en segundos y entrega al instante un recibo profesional en PDF, con importe con letra y tu firma. • Recordatorios de pago antes del vencimiento y re-avisos si sigue vencido. • Recordatorios por WhatsApp con el mensaje listo: próximo pago o saldo total. • Recargos por mora configurables: porcentaje mensual, cargo único o fijo, con días de gracia y tope. • Bitácora de gestiones: llamadas, visitas y promesas de pago con recordatorio. TODO BAJO CONTROL • Panel de resumen: prestado, cobrado, por cobrar y vencido de un vistazo. • Reportes: tendencia mensual, rentabilidad, proyección de cobros y top deudores. • Estados de cuenta y facturas en PDF listos para compartir. • Exporta tu cartera a CSV para Excel. TUS DATOS SON TUYOS Sin cuentas ni registros: tu información vive en tu iPhone y se respalda en tu iCloud personal. Nadie más la ve, ni siquiera nosotros. COBRANZA PRO PREMIUM La versión gratuita incluye hasta 3 clientes, funciones básicas y anuncios. Premium desbloquea clientes ilimitados, quita los anuncios, PDFs sin marca de agua, reportes, exportación, recargos por mora y recordatorios. • Premium Mensual: $79.00 MXN/mes • Premium Anual: $699.00 MXN/año (ahorra 26%) El pago se carga a tu cuenta de Apple y se renueva automáticamente salvo que lo canceles al menos 24 horas antes del fin del periodo, desde Ajustes > Suscripciones. Términos de uso (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacidad: https://stokagenciadigital.com/aviso-de-privacidad-cobranza-pro/