Financial Payment Tracker vs TillNext

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.

TillNext: Paycheck Planner is a simple paycheck planning app for people who want to know what is coming in, what needs to go out, and what is left before the next payday. Set up recurring income, recurring bills, and one-time expenses. TillNext turns those details into a practical month view so you can keep track of upcoming items, mark bills as pending or paid, review previous occurrences of recurring items, and see how the month changes as real life happens. Home starts with safe cash to spend, a Can I buy this? check, and cashflow totals to compare against your bank. Month bank balances are explicit, so a new month starts clean unless you enter or match the bank balance for that month. Card tools live in their own optional tab, and Month shows the rest of the selected month day by day. The Recurring tab also lets you move between months, so future-starting recurring bills can be reviewed before they affect the current month. Recurring expense rows show the selected month's occurrence days beside their cadence, and entry editors keep amount, name, dates, frequency, and end dates clear and easy to adjust. Home Screen widgets keep the Till Next amount visible outside the app. Small and medium widgets include quick-add buttons for one-time income and expenses, and the large widget shows the next few Home items. TillNext is local-first and intentionally simple. There is no account to create, no external connectors, no Google integrations, no ads, and no analytics tracking. Your planning details stay on your device unless you choose to export them. Features: - Monthly paycheck and expense planning - Recurring income and recurring bill schedules - Month-aware recurring schedule editing - Recurring expense occurrence days in the selected month - Past occurrence history for recurring items - Explicit month bank balance matching without pulling prior-month leftovers forward automatically - Centered amount entry and clearer tappable date controls - One-time income and expense entries - Safe cash, card payback, and rest-of-month cashflow checks - Small, medium, and large Home Screen widgets - Widget quick-add buttons for one-time income and expenses - Pending, paid, skipped, and received status tracking - CSV export from Settings, including Home cash, card payback, and day-by-day cash detail rows - Local reset from Settings - 30-day full-editing trial - One-time lifetime unlock through the App Store TillNext is for personal planning only. It is not financial, tax, legal, investment, credit, or banking advice. Always review your real accounts before making spending or payment decisions.