Financial Payment Tracker vs Money Mood

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.

Money Mood is a personal money tracker built around the amount you can use right now and the payday ahead. Start in the way that fits you: - Set your salary and payday for a recurring monthly money cycle. - Start with your current balance and add income when payday arrives. - Optionally confirm recurring income before it changes your balance. Keep everyday money management quick: - Add expenses and income in a few taps. - Check how a purchase affects the rest of the current money cycle before logging it. - Review a visual weekly spending story. - Spot likely upcoming subscriptions from repeated monthly charges. - Protect money for fixed, variable, or mixed recurring bills before Safe/day is calculated. - Add a cushion to variable costs such as electricity and water, then resolve a due bill with its actual amount or let matching transactions reconcile it. - Turn on due-date reminders for Bills Ahead; a resolved monthly bill releases its reserve and returns automatically next month. - Unlock richer insights naturally as you record transactions and return on new days. - Hide any unlocked insight from the dashboard whenever you want. - Optionally track borrowed cash with a repayment date, payday, or month-end schedule. - Keep outstanding borrowed cash reserved from Safe/day until it is marked repaid. - Enter large currency amounts faster with contextual zero shortcuts. - Create up to three wallets, each with its own default logging currency. - Log foreign-currency transactions with latest or manual exchange rates while keeping summaries in the base currency. - Switch the app language between system default, English, Vietnamese, and Burmese. - See your available money and recent activity at a glance. - Keep frequently used Quick Add categories visible and open the full category list only when needed. - Organize transactions with main categories, optional subcategories, and your own custom labels. - Create, edit, reorder, and delete labels from your profile. - Create custom subcategories under each main category. - Search, filter, summarize, paginate, and export transaction history from Activity. - Keep all app data stored locally on your device. No account is required.