Credigo vs Sinkstack

Credigo is a lightweight and privacy-friendly app designed to help you understand mortgages, loans, and installment plans before making important financial decisions. Built entirely with SwiftUI, Credigo is fast, modern, and easy to use. All calculations are performed directly on your device — no servers, no third-party analytics, no ads. This means your financial data stays private and secure. With Credigo you can: Calculate monthly payments, total interest, and total repayment for mortgages, loans, and installments. View detailed amortization schedules. Save, duplicate, and compare different scenarios side by side with clear charts and tables. Experiment offline, anytime, without needing an internet connection. Whether you’re considering a mortgage, a personal loan, or a simple installment plan, Credigo gives you a clear picture of costs and repayment structure — a perfect first step before speaking with your bank or lender.

Sinkstack turns irregular bills into a plan for every paycheck. Create a sinking fund for each bill you only see a few times a year, such as car insurance, holidays, renewals and repairs, and Sinkstack shows what to set aside from each upcoming paycheck so each one is covered by its due date. NEW IN 4.0: PAYCHECK PLAN Choose how often you are paid and one payday. Each of your next 4, 6 or 12 paychecks then lists what to set aside for every fund: • Funds with a due date spread what they still need evenly across the paydays before that date, exact to the cent. • Recurring bills start their next cycle automatically after each due date. • Funds without a due date use the contribution you planned. • Bills that land before your next payday are flagged with the amount still needed. • Enter your take-home pay (optional) to see what is left after the set-asides. • Book the next paycheck's set-asides as deposits in one step, or export the plan as CSV. ALSO NEW • Backup & Restore: one file with every fund, ledger entry, pay schedule and Payday Bridge plan. Restore checks the whole file first and saves a copy of your current data before replacing anything. • Widgets: a Next Payday countdown (you set the schedule in the widget; it never shows balances) and Quick Actions for the allocator, Paycheck Plan and Payday Bridge. • Control Center control and Siri / Shortcuts actions to open the allocator, Paycheck Plan or Payday Bridge. • A redesigned tab layout: Funds, Paychecks, Calendar, Insights and Settings. EVERYTHING ELSE YOU ALREADY HAVE • Unlimited sinking funds with goals, due dates, weekly to annual contributions, revolving funds and recurring bills that reset after each due date. • Paycheck allocator: split new money across your funds proportionally, by priority or evenly, booked as dated deposits. • Payday Bridge: put income and payments on real dates to find the lowest balance before payday and test a late payday. • Funding Calendar: 12 months of set-asides and bill dates, with busy months marked. • Insights, catch-up options for funds that fell behind, a what-if solver, PDF statements and CSV export. • 60+ templates for common irregular expenses. PRIVATE BY DESIGN No account, no bank login, no ads, no tracking. Your data stays on your device. Amounts use exact decimal math. One purchase. No subscription. Sinkstack is a planning tool. It does the arithmetic on the numbers you enter; it does not move money, connect to a bank or give financial advice. iPhone and iPad.