NeverDue vs UnchainedMoney

NeverDue helps you stay on top of every recurring payment — EMIs, loans, subscriptions, insurance, SIPs, rent, credit card bills and more. TRACK EVERYTHING IN ONE PLACE Add all your recurring payments with details like amount, frequency, interest rate and duration. Supports monthly, weekly, quarterly, yearly or custom payment schedules. SMART REMINDERS Get notified before every due date so you never miss a payment. Customize reminder timing for each payment individually. CALENDAR VIEW See all your upcoming payments on a clean monthly calendar. Tap any date to see what's due and mark payments as paid. INSIGHTS & ANALYTICS - Category-wise spending breakdown - Monthly outflow trends - Payment projections for the next 12 months - Debt timeline showing when each loan ends DEBT PLANNER (Pro) Plan your debt-free journey with proven strategies: - Snowball method (smallest balance first) - Avalanche method (highest interest first) - What-If simulator to see how extra payments help - Complete payoff schedule with projected dates EXPORT YOUR DATA (Pro) Export your payment data as CSV or a formatted PDF report — great for tax filing, budgeting, or sharing with a financial advisor. PRIVACY FIRST Your financial data never leaves your device. No account needed. No cloud sync. No tracking. Everything is stored locally on your phone. ADDITIONAL FEATURES - Dark mode support - Shared payment tracking (split EMIs) - Backup & restore your data - Mark payments as paid with swipe gestures - Indian Rupee formatting with lakhs & crores - Haptic feedback for a polished experience NEVERDUE PRO Unlock advanced features like Debt Planner, detailed insights, payment projections, CSV & PDF export, and unlimited payment tracking with a yearly subscription. Download NeverDue today and take control of your finances. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://neverdue.app/privacy-policy

Unchained Money is India's first personalized debt resolution planner. Enter your income, expenses, and loans. Get a personalized month-by-month roadmap showing exactly when you'll be debt-free. FEATURES: - Financial Health Score - Know your current situation instantly - Debt Roadmap - Precise payoff timeline for every loan - Smart Prioritization - Attacks high-interest debt first (Avalanche method) - Floating-Rate Updates - Bank revised your interest rate? Update it and your roadmap adjusts instantly - Emergency Fund Calculation - Safety net built while you repay - Edit Past Months - Paid differently than planned? Correct any past month and your timeline redraws from there - Snowball Effect Visualization - Watch freed-up EMIs accelerate your payoff - Zero Data Sharing - All data stays on your device. Bank-grade encryption. FOR WHO: Perfect for anyone with multiple loans feeling trapped: - Credit card debt - Personal loans - Education loans - Gold loans - Loan against property NO SIGN-UP. NO ADS. NO DATA SHARING. All calculations use standard debt repayment methods (Snowball & Avalanche) taught in financial literacy courses. This is an educational planning tool, not licensed financial advice. A legal disclaimer is included in the app.