Sail vs Zero Debt

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/

Zero keeps your money and your debts, by hand. Write what you spent in one line — “coffee 4.50” — and Zero files it and counts your wallet. Type what you owe or are owed, and it plans the way to zero. WHAT IT HOLDS - Both directions of the ledger: money you owe, and money you lent out - Categories, from credit cards and loans to money owed to family - 64 currencies, each written the way that currency is written - An optional interest rate, minimum payment and due date on every debt - Every payment recorded with its date, kept as history you can scroll back through A PLAN THAT EXPLAINS ITSELF Zero doesn't just rank your debts — it tells you why. Pay by interest cost (avalanche) or smallest balance first (snowball), or drag the list into the order you want and mark what you must pay first. The plan names the one debt to attack now and the reason it's that one, then shows what this month costs and the month you finish. WHAT IT SHOWS - The month you become debt-free, and how many months away it is - Balance over time, drawn as steps, because money moved on the days it moved - How much of everything you've ever owed is now paid off - Overdue debts, and reminders three days before and on the day QUICK TO KEEP UP WITH - Swipe a debt to record a payment, edit it, or set its priority - Ask Siri: "Add a debt in Zero", "What do I owe?", "Record a payment in Zero" - Home Screen and Lock Screen widgets with your total and your next due date INTEREST SAVER (PRO) See what interest takes out of each payment, which order costs you least, and what paying a little more each month would save — worked out from your own rates. IT NEVER INVENTS A NUMBER This is the part most money apps will not do: - If your payments cannot reach zero, Zero shows no debt-free date at all, rather than one that flatters the plan. - The balance chart steps instead of curving, because a smooth line would draw money moving on days when nothing moved. - The chart scale stays pinned to your original total, so a small payment cannot be zoomed into looking like a large one. YOUR LEDGER STAYS ON YOUR PHONE Your debts, payments, notes and dates are stored on this device. With Pro, iCloud sync keeps a copy in your own iCloud, for your other devices and a new phone — Apple stores it; Zero never sees it. Export the whole ledger to CSV whenever you want your own copy, free, on any tier. Sign in with Apple is optional. It creates a free Zero account that carries your profile to a new phone. Every other part of Zero works without an account, and you can delete the account from inside the app at any time. No third-party trackers. No advertising identifier. No bank connection of any kind. To learn what works, Zero records which screens and buttons are used under a random number your phone makes for itself — never anything you wrote — and Settings › Share usage data turns it off. FREE, AND PRO Free holds up to 2 debts, with unlimited payments, the full payoff plan and your debt-free date, the charts, due-date reminders, a ready-made reminder for people who owe you and the CSV export. Zero Pro removes the debt limit and adds the interest saver, iCloud sync, a Face ID lock, PDF reports, five color themes and six app icons. Monthly and yearly subscriptions are available, along with a one-time lifetime purchase. Zero does not lend money, refinance anything, broker loans, give financial advice, or connect to a financial institution. It is a notebook that can add up. Terms of Use: https://soso.uz/terms Privacy Policy: https://soso.uz/privacy