Amortization Calculator vs Kept

The Amortization Calculator app is a must-have for people with a mortgage, auto loan, student loan, or any other loan that requires monthly payments. The Amortization Calculator starts by calculating your monthly payment based on the loan amount, interest rate, and length of your loan. Then it creates an amortization schedule that breaks down how much of each monthly payment goes towards interest, how much goes towards paying down the loan, and the current loan balance. The amortization schedule will show you that as times goes by, less of your monthly payments will go towards paying interest and more of your monthly payments will go towards paying down the loan. You can substantially reduce the number of monthly payments and total interest cost of your loan by either paying a fixed extra amount every month, or paying a large one-time lump sum. This app also includes an Extra Monthly Loan Payment Calculator and a Lump Sum Loan Calculator so you can calculate your potential savings. The app was inspired by the popular Grinebiter.com Amortization Calculator web application. We took what we learned from our web visitors to make this very useful iOS Apple app. The app is fast, intuitive, and easy to use. It is a standalone app, which means that it will work perfectly fine in places with little or no Internet access. Additionally, the Amortization Calculator app does not have any subscription fees, in-app purchases, tracking, or ads. In other words, you can enjoy full and complete access to the app with no surprises or extra costs. We hope that the Amortization Calculator app will become one of your favorite apps to help with your financial health.

Kept is a money tracker for iPhone and Apple Watch built around one idea: an entry should take two taps, not a form. FAST ENTRY • The keypad, your categories and the day's total live on one screen • Type the amount, tap a category — the entry is saved • Need details? Long-press to open the full form with account, date, note and tags • Deleted or edited by mistake? Undo brings it back, even several times in a row • Built-in calculator keys for splitting a bill on the spot • Stays fast even with years of history CARD PAYMENTS THAT LOG THEMSELVES • Set up a Wallet automation in Shortcuts once — every Apple Pay purchase arrives in Kept as a pending entry • Merchant and card are filled in, and the category comes from your last purchase there • Payments land in the account named like the card, and if you move one, Kept remembers your choice • A new merchant waits for you to pick a category — no wild guesses • Confirm in one tap, or edit before confirming APPLE WATCH, SIRI, CONTROL CENTER • Quick entry from your wrist, today's and this month's totals for every account • Complications keep the totals on your watch face • Entries with a category are confirmed right away, with a few seconds to undo • “Add expense in Kept” with Siri and Shortcuts • Siri and the Action button on Apple Watch: log a purchase without reaching for your iPhone • A new entry button in Control Center ACCOUNTS AND CURRENCIES • Card, cash, savings — as many accounts as you need • Every account keeps its own currency, amounts are entered in that currency • Exchange rates load automatically; the total balance is converted for you • Transfers between accounts, even across currencies: the rate fills in an estimate, or enter what actually arrived • Merge two accounts: entries, rules and card links move over and the balances add up • Keep a stash out of your total balance and widgets • Pin the currencies you watch and convert any pair in the built-in calculator SEE WHERE MONEY GOES • Calendar with a total for every day • History with search, filters by period and account, and sorting • Where you spend: which stores and places take the most, with your average purchase • Category breakdown, cash flow and balance trend: this month, last month, 3 months, a year or any range • Compare months or weeks on the same days, with pace and a forecast • Budgets by category or for all spending, with your pace and a daily allowance • Budgets show past months and spending planned for later • Start the month on payday and choose the first day of the week • Recurring entries for rent, subscriptions and salary • Receipt photos attached to any entry WIDGETS • Total balance with a button that hides the amount • Exchange rate for the pair you choose • Income, expenses and top categories for the month • Quick entry: tap a category and the app opens ready for the amount • Lock Screen widgets for balance, rate and the month YOURS ONLY • Everything is stored on your iPhone • Optional iCloud sync between your own devices • Passcode with Face ID, and the app blurs itself in the app switcher • No accounts, no ads, no analytics, nothing collected • Works with VoiceOver, Dynamic Type and haptic feedback IMPORT AND BACKUP • Import and export CSV, compatible with Spent • Full backup to a file you control, receipts included — open it straight from Files, Mail or AirDrop • The app keeps earlier versions of your data before replacing or erasing it • A gentle reminder when it's been a month since your last backup