Card Smart vs Debt Control

Take full control of your credit card payments — without sharing a single piece of personal data. Credit Wise helps you understand how your credit cards work, calculate interest, and plan smarter purchases — all offline and 100% private. Key Features: - Add all your credit cards - Store name, interest rate (APR), cutoff date, and payment date — just what you need, nothing you don’t. - Simulate any purchase - Enter a date, amount, and card — instantly see: - When it will appear on your statement - The exact due date - Interest you’ll pay if you don’t pay in full - Get useful payment tips - Learn when’s the best day to buy to get extra days before payment or save interest. - Visual Payment Calendar - View your upcoming purchases, statement closes, and due dates on an intuitive timeline. See how waiting just a few days can change everything. - Offline. Private. Secure. - Credit Wise works entirely on your device. No logins. No cloud. No personal data shared. - Export your data - Generate and share detailed payment reports in Excel or PDF format. Perfect for Anyone who uses credit cards and wants to make smarter decisions about when and how to pay. Stop guessing. Start planning smarter with Credit Wise.

Know exactly which cards to pay and in what order. See your monthly cash flow at a glance income minus bills so you always know what's safe to spend. Built for people who already live in spreadsheets. If you track your expenses in Google Sheets or Excel, Debt Control is the phone version of that. No cloud sync, no account required — just your numbers, on your phone. Perfect for: - eBay and online sellers tracking payments and fees - Turo hosts managing car rental income and expenses - Anyone juggling multiple bills and cards Everything stays on your device. No data is ever sent anywhere. Free: - Bill tracker with due dates - Income tracker - Debt tracker with payoff dates - Asset tracker - One-tap backup & restore Pro: - Net Worth dashboard - Full financial overview - Ask AI export your financial snapshot and send it to ChatGPT, Claude, or Gemini in one tap for personalized advice - All future Pro features Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/