Financial Payment Tracker vs Bill Tracker & Subscriptions

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. • NEW: Sync your payment due dates, loan/mortgage maturity dates, and savings goal targets straight 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. • 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, all stored 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. That's it.

Every bill and subscription in one place, with a reminder before the money leaves. Bill Tracker & Subscriptions is a simple bill tracker and subscription manager for people who want to see what is coming out and when. No bank connection, no signup, no questionnaire — open the app and add your first bill in two taps. WHAT IT DOES • Bill tracker for monthly bills, rent, utilities, insurance and internet • Subscription manager for streaming, the gym and everything you forgot about • Payment reminder before every due date, not after • Total per month and per year, at a glance • Paid, overdue and still to come — every charge in one place MONTHLY BUDGET PLANNER Plan the month in one number. Set a monthly budget and the app shows what is left, how much you can spend per day until the month ends, and how much of it the bills still due this month will take. Limits for single categories sit below, each with a bar and a mark showing where you should be today. The amount is suggested from what you spent last month, so there is nothing to guess. What is left shows on the home screen and in the note after every expense; at 80% and 100% of a limit you get a notification, and on the 1st a short summary of how the month went. Every month starts fresh by itself. FOUR WAYS IN, PICK THE ONE YOU LIKE Nobody enjoys typing bills into a form. So there are four ways in, all of them seconds. SAY IT Speak one line — "coffee 5", "pharmacy 12", "taxi 18" — and the expense is saved with the amount and the category already filled in. Voice input follows your app language. SCREENSHOT IT Pick a screenshot of a payment screen or a bank notification and the app reads the amount and the merchant off the picture. The image is recognized on the device and never leaves your phone. IMPORT A STATEMENT Whatever your bank gives you: OFX, QIF, CSV, Excel or PDF. Months of history land in one go, each payment on its own date, with categories filled in. Repeating charges are detected so you can see the subscriptions you forgot you were paying. No account linking, no bank login, no read-only access to anything. TYPE IT Two taps and a number. Amount first, category suggested, done. REMINDERS THAT ACTUALLY ARRIVE Most bill reminder apps go quiet after a while. This one re-checks its schedule every time you open the app. You choose how many days ahead and at what hour. A reminder that comes late is the same as no reminder. SUBSCRIPTIONS TICK THEMSELVES OFF A subscription on autopay has no reason to ask whether it went through: on the charge date it marks itself paid and rolls on to the next one. Nothing to tick by hand. If the money never left — the card was short, or you canceled — one tap puts it back as owed, or ends the subscription for good. SEE WHERE THE MONEY WENT Monthly total, a breakdown by category, and a calendar of what is due when. Yearly cost of every subscription, so a "cheap" monthly charge is shown for what it adds up to. ANY CURRENCY Over fifty currencies. Keep bills in the currency you actually pay in. Where a rate was saved on the payment day the total uses it, not today's; where there is none, the amount is counted separately, never blended into a wrong total. YOURS, ON YOUR PHONE Add a bill with no signal, get the reminder on a plane. Your bills, every reminder, the calendar and the totals work with no connection at all; statement import needs one, because the file is read on our server. No account required; an optional one syncs between your devices. Export everything to CSV whenever you want. 14 DAYS FREE, THEN ONE PAYMENT Everything is open for 14 days. After that a single purchase keeps it open forever: no subscription, no renewals, no ads and no limit on how many bills you track. Your records, the calendar, CSV export and reminders for bills you already added stay free either way.