WiseSpend vs Financial Payment Tracker

WiseSpend helps you take real control of your credit cards in one place. Track balances, statement debt, key due dates, and installment purchases with a clean, easy-to-understand view. If you want less guesswork and more clarity every month, WiseSpend is built for you. What you can do with WiseSpend: • Add and organize your credit cards • View used balance, credit limit, and statement debt • Check statement closing and payment due dates per card • Add transactions quickly • Edit or delete transactions anytime • Track installment purchases in detail • See payment progress, monthly amount, and remaining balance • Review recent activity and transaction history by period • Mark cards as paid to keep data up to date • Protect access with Face ID and/or PIN • Choose your preferred app theme (light, dark, or system) Built for clarity and control WiseSpend is designed to give you useful context, not just numbers. With a visual overview of your cards and activity, you can quickly understand what you owe, what’s coming next, and how your monthly commitments are evolving. Privacy and security Your data stays yours. You can protect app access with Face ID or PIN for an extra security layer. Great for: • People who use one or multiple credit cards • Anyone managing installment purchases • Users who want to avoid missed payments and stay organized • Anyone who wants a clearer day-to-day view of their credit Make smarter credit decisions, reduce financial stress, and stay in control with WiseSpend. Terms of ​Use (​EULA): https://www​.apple​.com​/legal​/internet​-services​/itunes​/dev​/stdeula/ Privacy Policy: https://getwisespend.com/privacy.html

Take control of your debt, without connecting a single bank account. Financial Payment Tracker is a privacy-first app for managing credit card, loan, and mortgage payments. You enter only what you want to track: balances, APR, and due dates. No account numbers, no bank logins, no data ever leaves your device (unless you choose to sync with your own iCloud). WHAT YOU CAN DO • Track multiple accounts (credit cards, auto loans, personal loans, student loans, mortgages) all in one place. • Log payments and charges manually and watch your balance update with every entry. • Never miss a due date. Set smart payment reminders and the app notifies you a few days before each payment is due. • Sync your payment due dates, loan/mortgage maturity dates, and savings goal targets to Apple Calendar, so they show up alongside the rest of your life. Amounts stay out of your calendar by default; you decide if and where they appear. • Plan your payoff with Avalanche or Snowball strategies. See exactly which account to attack first, how much interest each strategy saves, and the month you'll be completely debt-free. • Track your savings goals alongside your debt. See your full financial picture in one app. • Export your payment history as a PDF statement or Excel-compatible CSV, perfect for budgeting reviews or sharing with a financial advisor. • Back up everything, accounts, payments, and savings goals, to a file you keep, and restore it any time. • View a monthly bar chart of all payments at a glance on the History tab. • Add a home screen widget to see your next payment due without opening the app. • Pair with your Apple Watch for a read-only companion showing upcoming payments and a watch face complication with a due-date countdown. • Lock the app behind Face ID or Touch ID so your financial data stays private even if someone picks up your phone. • Optionally sync across all your Apple devices with iCloud, in your own private iCloud database, never on our servers. PRIVACY BY DESIGN Most finance apps require you to connect your bank and hand over your login credentials. Financial Payment Tracker never asks for any of that. Every number you enter stays on your device. We have no servers, no analytics, and no advertising. With iCloud sync on, your balances, rates, account names, and notes are encrypted with keys kept in your iCloud Keychain. And if you ever type something that looks like a card number, Social Security number, or bank routing number, the app warns you and offers to remove it, because Financial Payment Tracker never needs them.