Financial Payment Tracker vs Quillbook

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.

Quillbook is a check register you keep in your pocket. Enter checks, deposits, withdrawals, and fees; mark each one cleared when it shows up at the bank; and see two balances at all times — what your register says, and what has actually cleared. Made for people who want a simple, readable, trustworthy record: • LARGE, CLEAR TYPE — big, bold balances, high contrast, and entries and labels that grow with your iPhone's text size. • TWO BALANCES, ALWAYS — your register balance and your cleared balance, side by side. • ONE-TAP CLEARING — when an item clears, tap its "Pending" label to mark it Cleared (tap again to undo). Pending items stay visible. • CHECK NUMBERS — automatic numbering for checks, with a warning on duplicates. • SEARCH AND FILTER — find entries by payee, type, or pending/cleared status. • BACKUP AND RECOVERY CENTER — every save is atomic and checksummed, and the app keeps redundant snapshots on your device. Back up your full ledger to Files anytime, and restore from a backup with a clear preview first. • CSV EXPORT — your records are always yours. Export any account as a spreadsheet-ready CSV file, free of charge. • PRIVATE BY DESIGN — no sign-up, no bank connection, no ads, no tracking. The app's only network traffic is with the App Store, for purchase, restore, and purchase-status checks (nothing from your ledger or personal data is sent by the app); your records stay on your device. The free version includes one account with every feature above. Quillbook Pro — a single one-time purchase, not a subscription — unlocks multiple accounts at the same time. Quillbook is a personal record-keeping tool. It does not connect to your bank and does not provide financial advice. Balances reflect what you enter.