HiveCard PH vs SteadyStep

Track every credit card. Privately, on your phone. No cloud sync. HiveCard is the privacy-first credit card manager built for Philippine cardholders. Track every card you own — BPI, BDO, Metrobank, EastWest, HSBC, RCBC, UnionBank, Security Bank, Chinabank, PNB, AUB, and more — in one secure dashboard. Your data never leaves your phone. Stop juggling SMS alerts, statement PDFs across multiple bank apps, and sticky-note reminders for due dates. HiveCard brings it all together — without sending your card data to anyone. WHAT MAKES HIVECARD DIFFERENT PRIVACY-FIRST BY DESIGN Every card, every transaction, every reminder lives in an encrypted vault on your phone (SQLCipher AES-encrypted database). No cloud sync. No servers seeing your card numbers. No analytics on your spending. Lock the app with Face ID, Touch ID, or a PIN, and optionally wipe everything after too many failed attempts. IMPORT STATEMENTS IN SECONDS Drop in your PDF statement and HiveCard auto-detects your bank, extracts your transactions, and figures out your statement date and due date. Password-protected PDFs work too. Image-only or scanned statements? Built-in OCR handles those as well. CONNECT YOUR GMAIL (Premium, optional) Watch Gmail for new statement PDFs — background import, remembered PDF passwords. Read-only OAuth; HiveCard never touches your other mail. SMART FEATURES TUNED FOR PHILIPPINE CARDS - Auto-categorization that actually knows local merchants: GrabFood, Foodpanda, beep cards, MRT/LRT, NLEX/SLEX/CALAX tolls, Petron, Caltex, Shell, SM, Robinsons, Mercury Drug, and many more - Anomaly detection flags unusual transactions across all your cards using your personal baseline - PH banking calendar — due dates auto-shift when they land on a holiday or weekend - Multi-currency — USD, EUR, SGD and other foreign charges shown in both the original currency and the settled peso amount ONE TAP TO PAY Jump straight into BPI Mobile, BDO, UnionBank, Metrobank, GCash, Maya, or whichever app you use to settle. HiveCard knows what's installed and routes you to the right one. REMINDERS THAT RESPECT YOUR TIME Configurable rules engine for statement closing, due dates, utilization warnings, credit limit changes, and overdue alerts. You decide what gets pinged. SEE YOUR WHOLE FINANCIAL PICTURE - Safe-to-spend dashboard that factors in upcoming obligations - Debt payoff timeline visualization - Per-bank fee schedules and card perks tracking - Recurring cash obligations (Meralco, internet, rent — not just credit cards) - Income tracking with semi-monthly cadence support BUILT FOR THE PHILIPPINES, BY A FILIPINO INDIE DEVELOPER Every parser, every category keyword, every bank icon was tuned for how Philippine credit cards actually work — by midybee, a solo indie developer who got tired of US-centric finance apps that don't understand Peso, GCash, semi-monthly salaries, or holiday-shifted due dates. WHAT'S FREE, WHAT'S PREMIUM Free forever: - Track up to 2 cards - Statement import (PDF + OCR) - Transaction categorization - Due date reminders - Anomaly detection HiveCard Premium (₱149/month or ₱1,400/year, with a 14-day free trial): - Unlimited cards - Smart Payment Plan built around your pay date — shows exactly what to pay now, what can wait, and what's uncovered - Avalanche payoff scenarios with interest savings projections - Full transaction history CSV export — your data in a spreadsheet, anytime, no lock-in - All future Premium features at no extra charge Manage, change, or cancel your subscription anytime in the App Store. DATA SAFETY - Local-only storage by default — no cloud - AES-encrypted database (SQLCipher) - No data sold, ever, to anyone - Export to CSV or permanently delete all your data any time Got feedback or a parser that breaks on your bank's statement format? Reach out via the in-app feedback channel. midybee reads every message. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

SteadyStep helps you organize debts, expenses and repayments in one calm, private workspace. Enter your own information, understand your monthly cash flow and follow a clear repayment plan without judgment or pressure. PLAN WITH DETERMINISTIC CALCULATIONS - Record debts, required payments, interest rates and expenses. - Choose whether essential expenses come from a monthly estimate or your itemized records. - Compare interest-first and small-balance-first repayment strategies. - Preview extra monthly payments for free, compare projected payoff timing and interest, and explicitly save your chosen amount. - Review estimated payoff timing, interest and monthly milestones. - See a twelve-month repayment schedule based on the information you entered. TRACK WHAT ACTUALLY HAPPENED - Record real repayments by date and debt. - Keep payment history separate from projected payments. - Update a balance only when you provide a statement balance. - Follow monthly progress using recorded payments rather than a simple completion switch. OPTIONAL COMPLETE REPORTS Preview personalized takeaways for free, then unlock a complete educational report when you want a deeper explanation of your current plan. Reports combine SteadyStep's deterministic calculations with calm explanatory text, practical actions, risk reminders and assumptions. Complete reports are generated on your device, remain available in your private report history and can be exported as a PDF. A single-report purchase unlocks one complete report. An active monthly or annual subscription provides unlimited on-device report refreshes plus report comparison and ongoing progress summaries. Prices shown in the app come directly from the App Store for your storefront. PRIVACY BY DESIGN Free planning does not require a SteadyStep account. Sign in with Apple is used only for purchases, restoring paid access and unlocking complete reports. Your debt names, balances, rates, income, plan and completed reports remain in the app's private device and iCloud storage. Report entitlement confirmation never includes financial values or your financial snapshot. SteadyStep provides planning and educational information only. It is not a lender, debt-relief service, credit-repair service, financial adviser or legal adviser. Estimates depend on the information you enter and may differ from lender statements or actual results.