Sail vs SpendNext

Track your debts, plan repayments, and see your progress toward paying them off. Sail brings mortgages, car loans, personal loans, and installment balances into one calm view. Our hope is that one day you can uninstall Sail because you have paid off your debts and reached the shore. KEEP YOUR REPAYMENTS IN VIEW See your remaining principal, estimated interest, monthly payments, upcoming amounts due, and projected payoff date. Review the principal and interest in each scheduled payment. Record prepayments, rate changes, repayment plan adjustments, and payoff events so future schedules reflect the changes you enter. CALCULATE BEFORE YOU DECIDE Monthly payments Enter your loan amount, interest rate, term, and repayment method to estimate payments, total interest, and the payment schedule. Early repayment For loans with equal monthly or equal principal payments, compare the interest savings from reducing payments or shortening the term. Enter the details yourself or use an existing loan. For a loan with multiple components, select one component to compare. Effective annual interest Estimate a compounded annual interest rate from the loan amount, total interest, and number of payments, assuming equal monthly repayments. SEE HOW FAR YOU HAVE COME As your principal balance falls, your boat moves closer to shore. See the progress you have made alongside the journey ahead. - Import and export backup files. - Create progress images to share, with the option to hide amounts. - Use Dark Mode. - Check progress with Home Screen widgets in Sail Pro. FREE TO START Manage one debt entry for free, with basic records, repayment schedules, and calculators. A combined mortgage counts as one debt entry. A one-time purchase of Sail Pro unlocks: - Unlimited debt entries and a combined overview. - Private iCloud sync across devices. - Home Screen widgets. Sail Pro is a one-time purchase, not an auto-renewing subscription. YOUR DEBT RECORDS STAY YOURS Your debt records are stored on your device. For Pro users, iCloud sync is enabled by default and can be switched off in Settings. Synced records are stored in your private iCloud database, which the developer cannot view. Sail has no ads, does not sell personal information, and does not use cross-app ad tracking. Firebase provides basic usage analytics, and RevenueCat provides purchase analytics. These analytics do not include the loan names, debt amounts, interest rates, or repayment records you enter. See the privacy policy for details. ABOUT THE ESTIMATES Calculations use the information you enter and supported repayment rules. They cannot account for every fee, prepayment penalty, daily interest calculation, or lender-specific rule. Your loan agreement and lender statements determine the actual amounts due. Sail is for personal recordkeeping and planning. It does not provide financial, investment, tax, or legal advice. Contact and support: malistudiolab@outlook.com Privacy policy: https://ujaze9odwg.feishu.cn/wiki/B2dOwM60vitlAukQLjUc7I87nqg Terms of use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Plan your spending. See what’s next. SpendNext is a simple personal finance app that helps you plan your upcoming spending and understand how it may affect your future balance. Add expected expenses and income, set up recurring spending, and see what your balance could look like over time. Plan ahead for bills, subscriptions, daily spending, and bigger purchases. See your expected cash flow on a calendar and understand how much you may have left in the future. Plans change. Adjust them anytime and instantly see how your financial outlook changes. No complicated budgets. No endless charts. Just a simple way to see what’s next. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/