Financial Payment Tracker vs LoanTrail Mortgage Tracker

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.

LoanTrail Mortgage Tracker helps you see your home loan over time - principal paid, balance vs. schedule, and equity. You enter your own payments (no bank login). All data stays on this device. WHAT YOU CAN DO • Eight payoff charts - pick three for your dashboard, or browse all charts. Export any chart as a PNG. • The Schedule vs. Actual chart shows if you're ahead of your original payoff plan. • Many chart options: equity, value vs. debt, LTV, principal vs. interest, extra principal, and monthly breakdown. • Log payments with just a few clicks that are automatically calculated from your last payment, including extra principal • Want to pay off your mortgage sooner? Use Payoff Outlook; explore how making a lump sum payment today or adding extra each month will affect your payoff date. Or set a target payoff date and see the impact. • Home Screen widget for easy at-a-glance loan status checks • Want to view payments in Excel? Export a CSV. To move to a new phone, use app backup and restore in Settings. • Optional Face ID / passcode lock (off by default). • Try demo mode first to explore what Mortgage Tracker has to offer without entering your own info. TRUST & LIMITATIONS • Personal planning only - not from your lender, and not tax or investment advice. • Built for U.S. fixed-rate mortgages. If P&I changes, log amounts from each statement - charts stay useful, but ARM automation is not included. • Home values are your estimates - not a formal appraisal. Start with demo mode, then add your mortgage to get moving. Questions? support@loantrail.app