Tortol vs Zero

Keep all your installments organized in one simple app. Whether it's a new phone, appliance, or any monthly payment plan — Tortol helps you track what you owe, what's due, and when to pay. Track Everything in One Place. Create cards for each store, bank, or lender. Add installments with custom amounts, interest rates, and payment periods. See your total dues, total interest, monthly breakdown, and remaining months to pay per installment. Find What You Need Fast. Filter installments by status — ongoing, pending, or done. Search by name to quickly find any installment across your cards. You can even filter which cards have ongoing, pending or done installments. Never Miss a Payment. Set reminders for each card so you always know when a payment is coming up. Get notified before your due date so you can pay on time, every time. Know Your Numbers. View monthly breakdowns with interest calculations. See total amount, total interest, and how many months are left per installment. Fully Offline & Private. No account needed. No cloud. No data collection. Everything stays on your device. Your financial data is yours alone. Simple & Free to Start. Get started with 1 card, 3 installments, and 1 reminder — completely free. Upgrade once to unlock unlimited cards, installments, and reminders. One-time payment, no subscription, no ads — ever.

A finance tracker that understands everyday language. Type what you spent, earned or paid, and see your money come together—from daily expenses to your full net worth. LOG IT LIKE YOU’D SAY IT Type “coffee 180 gcash” or “grab 250 yesterday”. Zero picks out the amount, category, account and date, then lets you review the entry before saving. Scan a receipt or choose a photo to fill in the details. For quicker access, start an entry from a widget, Control Center or Shortcuts. ASK YOUR MONEY “How much did I spend on food last month?” Get a clear answer from your own records, with the entries behind it. No digging through transactions or adding things up yourself. ALL YOUR ACCOUNTS, TOGETHER Track cash, banks, e-wallets, credit cards, loans, investments and assets in any currency. Recognizable bank logos and card designs make accounts easy to find, while your net worth brings the bigger picture into view. KNOW WHAT’S AHEAD • Monthly and weekly budgets with carryover and a daily spending allowance • Bills, paydays and recurring entries, with reminders before they’re due • Savings goals with estimated completion dates • Installment plans, repayments and money owed in either direction • A balance forecast to help you plan beyond today SEE WHERE IT WENT Understand your spending with category breakdowns, income, savings and comparisons over time. Share a report as a PDF or export your entries to CSV. MAKE IT YOURS Choose a color theme, pick an app icon and arrange your Home screen around what matters to you. Enjoy Zero in light or dark mode. PRIVATE BY DESIGN • No sign-up, ads or tracking • Works offline, with your records stored on your device • Optional sync through your own iCloud • Face ID or Touch ID protection • Hide your amounts with a tap BUY ONCE. KEEP IT ALL.