Pautang vs Cashee CostScope

Pautang is a private, offline-first ledger for anyone who lends money and wants to stay organized. Whether you help out family and friends or keep an informal lending book, Pautang tracks every loan, payment, and balance — and does the math for you. WHAT YOU CAN DO • Record loans and repayments in seconds • See balances update automatically — principal, interest, and profit • Spot overdue and due-soon loans at a glance • Browse by person to see exactly who owes you • Track your capital: cash on hand, and how much is out on loan vs idle PRIVATE BY DESIGN • Works fully offline — your data lives on your device • No ads, no tracking, no analytics • Optional cloud backup if you want it • Delete your account and all data anytime Pautang is a personal record-keeping tool. It does not lend money, move funds, or process payments — every figure is one you enter yourself.

Stop guessing what your loans really cost. CostScope translates confusing interest rates into one honest number — the Effective Interest Rate (EIR) — so you finally see the true price of every dollar you borrowed. Lending apps love to hide behind "low monthly rates" and "small processing fees." CostScope strips away the marketing and shows you the real math: what you actually paid, what you're still paying, and where you got ripped off. Features: • Rate Translator — convert monthly rate, flat rate, add-on, or declining balance into true annual EIR in seconds • Hidden Cost Exposer — input processing fees, insurance, penalties; see your real total cost and "rip-off index" • Loan X-Ray Wall — record every loan you've taken, see true cost breakdown side by side • Loan Comparison PK — pit up to 3 loan offers against each other, find the cheapest one instantly • Repayment Timeline — visualize all your loans on a horizontal timeline, spot overlap peaks and danger months • Payoff Strategy Engine — Snowball vs Avalanche vs Custom: compare total interest and debt-free dates • Early Payoff Simulator — see how much you save by paying extra each month • New Loan Stress Test — simulate adding another loan, see how your burden ratio changes • Document Vault — photograph contracts, receipts, and collection screenshots for safekeeping • Monthly Cost Report — track how much you're paying for debt over time, with improvement tips All calculations happen on your device. No servers, no accounts, no data leaves your phone. Your loans, your business.