Loaner Pro vs Spending tracker

**Track loans where you're the lender—simple, powerful, and built for iOS.** Loaner helps you manage personal loans you've made to friends, family, or business partners. Calculate daily compound interest automatically, log payments as they come in, and generate reports for tax time. **WHY LOANER?** • Built for lenders, not borrowers • Privacy-first: all data stays on your device • No subscription, no account required • Clean iOS design that feels native **CORE FEATURES** Daily Interest Calculations • Automatically calculate compound interest that accrues daily • See exactly how much you're earning every day • Track principal and interest separately Payment Tracking • Log payments with flexible allocation strategies • Choose "Interest First" (standard practice) or "Principal Only" (aggressive paydown) • Custom split for special arrangements • See real-time preview of how each payment impacts the loan Multiple Loans • Track unlimited loans across different borrowers • Each loan has its own interest rate and payment history • See total amounts owed at a glance Capital Management • Add additional investments to existing loans • See how new capital affects daily interest earnings • Complete transaction history for every loan Tax Reports • Export full transaction history to CSV • Organized by year for easy tax filing • Includes all capital additions, payments, and interest calculations • Works with any tax software or accountant **WHO IS THIS FOR?** • Family members lending to relatives • Friends making personal loans • Small business owners lending to partners • Anyone tracking money they've lent with interest **YOUR DATA IS YOURS** Loaner stores all data locally on your device using Apple's secure SwiftData framework. No cloud sync, no account, no tracking. Your financial information never leaves your iPhone or iPad. **SIMPLE BY DESIGN** We intentionally keep Loaner focused and simple: • Daily compound interest (the standard) • Clean transaction history • Easy payment entry with instant preview • No complicated features you'll never use **GETTING STARTED** 1. Tap "Add Loan" to create your first loan 2. Enter borrower name, start date, amount, and interest rate 3. Log payments as they're received 4. Export reports at tax time That's it. No learning curve, no tutorials needed. **PRIVACY POLICY** Loaner collects zero data. Everything stays on your device. We don't have servers, accounts, or analytics. Your loans are your business.

Spending Tracker is the simplest way to know where your money goes. No bank login. No account. No ads. You write down what you spend — and the app turns it into a picture you actually understand. A CALENDAR, NOT A SPREADSHEET Every day shows what you earned and spent, right on the month grid. One look tells you whether this month is going well. Tap any day to see the details. LOG AN EXPENSE IN THREE SECONDS • Big number pad with a 000 key, built for real prices • Quick add: type "coffee 45k" and the amount and category fill themselves • Scan a paper receipt or a bank notification screenshot — the amount is read on your device • Add from the home screen widget, the Lock Screen, or your Apple Watch MANY WALLETS, MANY CURRENCIES Keep cash, a bank account and a foreign-currency card side by side. Each wallet has its own currency and shows its own symbol and decimals. Totals, charts and budgets are converted to your main currency using live exchange rates, and the rates keep working offline. BUDGETS THAT ACTUALLY HELP Set a monthly limit overall or per category. Instead of a number you have to interpret, the app tells you plainly how much you can still spend each day for the rest of the month. RECURRING AND SUBSCRIPTIONS Rent, salary, Netflix — set them once and they are recorded on time. The subscription screen adds up what you pay every month, so hidden costs stop being hidden. SEE THE PATTERN A clean donut chart by category, six months of income against spending, and percentages that make the story obvious. YOUR DATA STAYS YOURS Everything is stored on your device. There is no account to create and nothing is uploaded. Turn on iCloud sync only if you want your own devices to share the same book. Lock the app with Face ID. Export everything to CSV whenever you like. 17 LANGUAGES English, Vietnamese, Chinese (Simplified and Traditional), Japanese, Korean, Thai, Indonesian, Hindi, Spanish, Portuguese, French, German, Italian, Russian, Turkish and Arabic. Change the language inside the app — it does not have to match your phone. FREE AND PREMIUM The free version is a real app, not a trial: unlimited transactions, the calendar, budgets, charts and CSV export. Premium adds unlimited wallets and categories, receipt scanning, unlimited recurring rules and advanced reports. Premium is available as a one-time Lifetime purchase, or as a monthly or yearly subscription — whichever suits you. Subscriptions renew automatically and can be cancelled any time in your App Store account settings. Terms of Use: https://phungdoanh.github.io/term.html Privacy Policy: https://phungdoanh.github.io/privacy_policy.html