Debt Tracker vs Paycheck Budgeting

Track every penny you lend or borrow — Debt Tracker makes it effortless. Know exactly who owes you money and when repayment is due. No awkward reminders, no forgotten debts. No account required. No data collected. Everything stays on your device. KEY FEATURES: Add a loan in under 10 seconds — name, amount, due date, done. Smart reminders before due dates — never miss a repayment. Track both sides: who owes you AND who you owe. Multi-currency: UAH, USD, EUR, GBP, PLN and more. Full transaction history — complete transparency. Partial repayment — mark how much was returned, track the remaining balance. Archive — all repaid debts saved, restorable anytime. Overdue highlighting — past-due records shown in red instantly. Remind in one tap — swipe left to send a ready message via any messenger. Home screen widget — check your debt summary without opening the app. Zero data collected — private by design, no account needed. PERFECT FOR: Friends splitting costs · Family loans · Roommates · Any personal IOU Available in 8 languages: English, Ukrainian, French, Polish, Croatian, Italian, German, Spanish. Download free and always know who owes you. Download free and always know who owes you.

How much can I spend between now and payday? That is the only question this app answers. Enter your take-home pay, how often you are paid, and what is in your account. Add the bills that leave on their own. The app subtracts the bills due before payday, holds back a cushion and your savings, and divides what is left by the days you have remaining. You see one clear number and a daily allowance. Pay can be weekly, every 2 weeks, twice a month or monthly. You set it once and the app follows the calendar for you. Log a spend and every number updates at once. You always know where you stand today. Open the app, read one number, and get on with your day. • Safe-to-spend number for the whole pay cycle • Daily allowance for each day until payday • Day-by-day strip of your pay cycle, so you see how the days play out • Bills due before payday are subtracted automatically • A cushion and savings amount you choose are held back • Spend log: add a purchase in a few seconds • Reminders for payday and for bills • Backups to a file you keep • 48 app languages and 53 currencies No account. No bank login. Your budget stays on your phone. The only thing that leaves the app is the banner ad, which comes from Google. Paycheck Pro (one-time purchase, no subscription) • No ads (Remove ads owners already have this) • Home Screen and Lock Screen widgets show what is safe to spend today • Siri and Shortcuts: ask for safe to spend today • Up to 4 extra incomes • Savings goals that set money aside each payday • Cycle history with spending by category • 4 more color themes and 4 app icons Free for everyone: spend categories and light, dark or system appearance.