RepayMemo vs Sail

RepayMemo puts every debt you have in one private ledger: what is due today, what is left this month, and when you will be debt-free. No account, no ads, no tracking. EVERYTHING YOU OWE, ON ONE SCREEN • Mortgages, car loans, credit cards, pay-later, personal and online loans, business loans and money owed to friends • Overview: due today, left this month, total owed and your projected debt-free date • Overdue bills stay on top in red; the next 7 days at a glance; tap "Paid" (with undo) • Calendar with the amount due on each day, month or week view REAL INTEREST MATHS • Fixed payment (annuity), fixed principal, interest-only and lump-sum loans • Enter a yearly, monthly or daily rate; every payment split into principal and interest • The last payment absorbs rounding, so the principal always adds up • Prepayment simulator: shorter term or lower payment, interest saved and new payoff date, then apply it to your plan CREDIT CARDS AND PAY-LATER • Set the statement day and due day once; new cycles appear automatically • A reminder on statement day to enter the amount; until then last month's amount is used and marked as an estimate • Partial payments and a full payment history you can undo NEVER MISS A DUE DATE • Reminders 3 days before, 1 day before and on the due date, at the time you choose • An evening check if a bill is still not marked paid; "Mark paid" or "Remind me tomorrow" right from the notification • App badge shows overdue and today's bills • Home Screen and Lock Screen widgets with your next bill and what is left this month PRIVATE BY DESIGN • No sign-up, no login, no ads, no analytics; no data is collected • Your data stays on your iPhone; optional Face ID / passcode lock • Export a JSON backup or CSV spreadsheets any time • Multiple currencies (USD, MYR, SGD, HKD, CNY, EUR, GBP and more) • English, Simplified and Traditional Chinese; Dark Mode UPGRADING All accounts, periods and partial payments from earlier versions are kept, and a copy of your data is saved automatically before the upgrade. RepayMemo only records and calculates. It does not offer loans, connect to banks or lenders, or give financial advice. Free, forever.

Track your debts, plan repayments, and see your progress toward paying them off. Sail brings mortgages, car loans, personal loans, and installment balances into one calm view. Our hope is that one day you can uninstall Sail because you have paid off your debts and reached the shore. KEEP YOUR REPAYMENTS IN VIEW See your remaining principal, estimated interest, monthly payments, upcoming amounts due, and projected payoff date. Review the principal and interest in each scheduled payment. Record prepayments, rate changes, repayment plan adjustments, and payoff events so future schedules reflect the changes you enter. CALCULATE BEFORE YOU DECIDE Monthly payments Enter your loan amount, interest rate, term, and repayment method to estimate payments, total interest, and the payment schedule. Early repayment For loans with equal monthly or equal principal payments, compare the interest savings from reducing payments or shortening the term. Enter the details yourself or use an existing loan. For a loan with multiple components, select one component to compare. Effective annual interest Estimate a compounded annual interest rate from the loan amount, total interest, and number of payments, assuming equal monthly repayments. SEE HOW FAR YOU HAVE COME As your principal balance falls, your boat moves closer to shore. See the progress you have made alongside the journey ahead. - Import and export backup files. - Create progress images to share, with the option to hide amounts. - Use Dark Mode. - Check progress with Home Screen widgets in Sail Pro. FREE TO START Manage one debt entry for free, with basic records, repayment schedules, and calculators. A combined mortgage counts as one debt entry. A one-time purchase of Sail Pro unlocks: - Unlimited debt entries and a combined overview. - Private iCloud sync across devices. - Home Screen widgets. Sail Pro is a one-time purchase, not an auto-renewing subscription. YOUR DEBT RECORDS STAY YOURS Your debt records are stored on your device. For Pro users, iCloud sync is enabled by default and can be switched off in Settings. Synced records are stored in your private iCloud database, which the developer cannot view. Sail has no ads, does not sell personal information, and does not use cross-app ad tracking. Firebase provides basic usage analytics, and RevenueCat provides purchase analytics. These analytics do not include the loan names, debt amounts, interest rates, or repayment records you enter. See the privacy policy for details. ABOUT THE ESTIMATES Calculations use the information you enter and supported repayment rules. They cannot account for every fee, prepayment penalty, daily interest calculation, or lender-specific rule. Your loan agreement and lender statements determine the actual amounts due. Sail is for personal recordkeeping and planning. It does not provide financial, investment, tax, or legal advice. Contact and support: malistudiolab@outlook.com Privacy policy: https://ujaze9odwg.feishu.cn/wiki/B2dOwM60vitlAukQLjUc7I87nqg Terms of use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/