Debt & IOU Tracker vs My Envelope

Who owes you, and who do you owe? Keep every debt and loan in one place, see your net balance at a glance, and track payments and due dates with ease. Money lent to a friend, family IOUs, rent, shop tabs: all organized, clear and free of confusion. FEATURES • Per-person debts and loans with automatic net balance • Partial payments and payment history • Installment plans: down payment plus 2-36 installments • Due dates, per-entry payment reminders and a weekly summary notification • Per-entry currency: lira, dollar, euro, pound and 9 more currencies, plus gram, quarter, half and full gold. No exchange rates are applied; each currency keeps its own total • Books: Personal, Family and Business books are ready to use • Payment method: cash, card, bank transfer, cheque, promissory note • Collection Center: today, next 7 days, next 30 days and overdue entries on one screen • Export the whole ledger as CSV/Excel • Share a balance via WhatsApp, pick people from Contacts • App lock with Face ID / Touch ID • Home Screen and Lock Screen widgets • iCloud backup: if you turn it on, your ledger is backed up to iCloud and comes back on your new device PREMIUM • Unlimited entries and installment plans (the free version holds 10 entries) • PDF account statement and per-person CSV/Excel • Attach receipt and transfer photos • Personal SMS / WhatsApp reminder messages • 30-day due-date flow, overdue aging and period report in the Collection Center • Create your own books (Shop, Roommates...) • Monthly recurring entries: rent, fees and allowance are added automatically Premium is available as a weekly, monthly or yearly subscription, or as a one-time Lifetime purchase. PRIVACY: No account needed. Your entries are kept on your device; if you turn on iCloud backup they are backed up to your own iCloud account. Receipt photos stay on your device only. Subscriptions renew automatically at the end of each period; cancel any time in your Apple Account settings. The Lifetime purchase is a one-time payment and does not renew. Support: dijitalpilot.com TERMS AND PRIVACY Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://dijitalpilot.com/privacy

Zarfım brings the time-tested cash envelope method to your phone. Split your income into envelopes, drop every expense into the right one, and end each month with savings instead of surprises. ENVELOPE BUDGETING, MADE EFFORTLESS Groceries, rent, transport, bills, dining, a vacation fund… Create an envelope for every spending category and set a monthly limit. Colorful progress bars show where you stand at a glance. LOG EXPENSES IN SECONDS A big-button quick entry screen: type the amount, pick the envelope, save. Done. Zarfım warns you before you overspend. TRACK YOUR INCOME Salary, freelance, side hustle… Organize income into categories and watch your total income, total spending and net balance update instantly. BEAUTIFUL REPORTS See your spending breakdown by category with clean charts and instantly spot which envelope is straining your budget. Export your reports as PDF and share them. MULTI-LANGUAGE & MULTI-CURRENCY English, Turkish and full right-to-left Arabic. Supports $ USD, € EUR, £ GBP, ₺ TRY, SAR and AED. SECURE & PRIVATE Sign in with Apple, encrypted session storage and row-level security keep your financial data yours alone. ZARFIM PREMIUM - Unlimited envelopes (Free plan includes 3) - Advanced reports and PDF export - 7-day free trial Payment is charged to your Apple ID / Google Play account. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your account settings. Privacy Policy & Terms of Use: https://www.kahramanapp.com/ Make your money work for you. Download Zarfım and create your first envelope today!