Ypsilon vs Sous le Baobab

Ypsilon helps you track loans, income, and upcoming payments in one simple app. **Loans** Track money you've lent to others, borrowed from friends, or owe to banks. Add loan details, payment schedules, and mark payments as paid. View overdue payments at a glance. **Income** Add income sources with recurring paydays (weekly, monthly, quarterly, yearly, or one-time). See upcoming income alongside loan payments for a complete financial picture. **Dashboard** View totals for money to receive and to pay. See all upcoming payments in one list, sorted by due date. Quickly identify overdue items. **Cashflow** A 30-day chart shows your expected cashflow based on scheduled payments and income. Track net flow over time. **Calculator** Calculate loan payments with adjustable interest rates, payment frequency, and loan terms. **Multi-Currency** Add loans and income in different currencies. Each entry displays in its original currency. **Privacy** All data stays on your device. No account, no cloud sync, no tracking. Your financial information never leaves your phone. **Key Features** • Track loans (lent, borrowed, bank credit) • Manage income sources and paydays • View upcoming payments in one place • 30-day cashflow overview • Mark payments as paid or postpone them • Overdue detection (calendar-day based) • Multi-currency support • On-device data only • No account required Ypsilon is designed for anyone who wants a clear view of their personal loans, income, and payment schedule without complexity or privacy concerns.

Sous le Baobab brings your tontine into a single app — simple and safe. Just as people gather under the baobab to decide together, the app brings your association's members together: contributions, payout turns, fund and solidarity — all clear, up to date, and visible to those who should see it. KEY FEATURES • Create your association and invite members by link or QR code • Tontine cycles: contributions, turn schedule, "whose turn it is" • Payment tracking: contributions, payouts, receipts and reminders • Internal fund: group-backed loans with interest and history • Solidarity fund for hard times • Group chat and audio/video calls between members • Real-time updates — everything refreshes on its own SAFE AND PRIVATE • Mandatory two-factor, trusted devices, backup codes • Hosted in Germany — no ads, no trackers, no cookies • Your financial data is visible only to the members concerned Available in French, German and English. Sous le Baobab is for tontines, njangis and savings groups that want to manage their shared money with order and trust.