RepayMemo vs 記帳的肥貓

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.

記帳的肥貓：每記一筆帳，貓村就多一隻貓。 信用卡對帳、和朋友分帳、養一隻自己的貓，全部在同一個 App 裡。 【信用卡帳單，對帳不再頭痛】 • 每家銀行一張帳單：結帳日、繳款截止日、應繳金額，一頁看完 • 抄上銀行帳單的總額，差多少馬上算出來 • 本期明細逐筆打勾，記錯期的帳一鍵挪到上期或下期 • 漏記的消費當場補上，日期和卡片自動帶入 • 記錄繳款，繳清蓋上「已繳清」的貓貓章；快到期、逾期一眼看到 • 一家銀行多張卡、分期付款、綁卡的電子支付，都算進正確的那一期 【聚餐、活動、旅遊，分帳一次算清】 • 建一本「活動帳本」，設好日期和成員，朋友只填名字也可以 • 每筆記下誰先付、怎麼分：平分、照比例、或指定金額 • 自動算出誰該給誰多少，活動結束按一下結算 • 沒裝 App 的朋友，傳唯讀連結或 QR 碼就能看帳 • 沒網路時先記在手機，連上線自動補送 • 自己分攤的那份，可以順手記進個人帳本 【養一隻會陪你的肥貓】 • 二十隻貓任你挑，取名字、帶回家 • 每天記帳打卡領飼料，餵牠、摸牠，飽足、心情、親密度都會變 • 遊樂場四款小遊戲：逗貓棒、擼貓、跳躍大峽谷、貓貓回家 • 每一筆支出都是貓村裡的一隻貓，金額越大、貓越大；點一下，牠會告訴你是哪一筆 • 二十多個貓村與貓窩主題，白天夜晚不同景色 • 忙的時候切換「忙碌模式」，貓的變化放慢，不會因為幾天沒開就餓壞 【桌面小工具：讓貓陪你過每一天】 • 貓的飽足與心情、本期預算還剩多少，放在主畫面上就看得到 • 貓會跟你說話，早晚、餓了、超支時說的都不一樣 • 點一下直接記帳 【該有的記帳功能都有】 • 三秒記完一筆：點類別、點付款方式，不用打字 • 類別預算、依收入的預算建議 • 收入、結餘、儲蓄率的分析 • 房租、訂閱、薪水的固定收支，到期提醒、按一下就記 • 總覽圓餅、類別排行、每日明細，翻日曆看任何一天 • 金額可開小數點 【資料放心】 • 不用註冊就能先用；登入後自動備份到雲端，換手機登入就回來 • 沒有廣告，帳務資料不拿去分析、不提供第三方 • 隨時可以在 App 內刪除帳號 【肥貓方案】 • 訂閱期間貓村、貓窩主題全部可用，每期可換 3 隻貓 • 每季、每年的習慣與趨勢分析 • 活動帳本最長 180 天、15 人、同時 3 本（未訂閱為 30 天、8 人、1 本） • 免費試用 14 天，可隨時在 App Store 的訂閱設定取消 記帳、收入、預算、信用卡對帳、共用帳本與雲端備份都不用訂閱。 付費的貓咪與主題也可以單項購買，購買紀錄綁定你的帳號，換手機登入就還在。 使用條款：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/