Amunta+ vs PayDown

Do you forget who you lent money to or borrowed from? Want to record expenses and invoices without complicated accounts? Amunta+ is a personal accounting app for expenses, income, debts, invoices, budgets and installments. Its core features work offline, it requires no account and shows no ads. Your data stays on your device by default. Internet is only used for optional A-Link and encrypted Google Drive backup. ---------------------- Track debts and amounts due ---------------------- • See who owes you and whom you owe • Separate balance and history for each person • Loans, partial or full repayments and overpayments • Weekly, monthly and yearly balance charts • Detailed account statements exported to PDF ---------------------- Connect two ledgers with A-Link ---------------------- • Connect two people using a network ID • Record once and send the transaction to the other phone • Disconnect at any time A-Link+ requires both parties to approve operations that create a debt or change the balance. Other operations need no new approval for every entry. Transactions are encrypted on the phone. The server relays them without reading, then deletes them after delivery or after 24 hours. ---------------------- Transfer by QR offline ---------------------- • Transfer a transaction or invoice directly between two phones • Check the currency and details before import • A digital signature helps verify source and integrity • Prevent duplicate imports The signed QR verifies data but is not encrypted. It is for direct phone-to-phone transfer, not public sharing. ---------------------- Keep every invoice detail ---------------------- • Cash and deferred sales and purchase invoices • Items, quantities, prices and totals • Products, signatures and receipt images • Link deferred invoices to a contact's balance • Searchable PDF reports and statements • Track any item: your usual price, the best you paid, and who sells it cheapest ---------------------- Record everyday transactions ---------------------- • Income, expenses, loans and repayments • Ready-made categories for food, transport and more • Notes, images and attachments • Your choice of ledger currency ---------------------- Plan installments and budgets ---------------------- • Custom installment amounts and dates • Track paid and remaining amounts • Local payment reminders • Weekly, monthly and yearly budgets • Budget-limit alerts • Income and spending reports and charts ---------------------- Available in 16 languages ---------------------- Choose from 16 languages, including Arabic, Chinese, English, French, Hindi and Turkish. Supports RTL and LTR layouts with in-app language selection. ---------------------- Privacy by design ---------------------- • No account, email or phone number • No ads or marketing trackers • Main records stored on your device • Optional, end-to-end encrypted A-Link • Password-encrypted local backup • Optional encrypted Google Drive backup • PIN protection ---------------------- Split money across multiple funds ---------------------- • A default cash fund is created on first use • Add safe, wallet or bank-account funds • Separate balance for every fund • Total-balance card plus a card for each fund • Choose a fund for an expense, income or invoice ---------------------- Transfer money between funds ---------------------- • Move an amount from one fund to another • The source decreases and the destination increases • Transfers do not count as income or expense • Transferred amounts do not affect income, expense or budget reports • Optional fees for wallets or bank accounts ------------- Made for your business ------------- • Choose your activity: Business, Store or Professional • Use it alongside Amunta: personal and business money in two separate ledgers on the same phone Amunta+ — organize transactions, debts and money across cash, wallet and bank.

Every payment. One schedule. A date you'll be done. PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free. PASTE OR SPEAK Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever. ONE SCHEDULE Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it. YOUR DEBT-FREE DATE A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month. PAY IT OFF FASTER Avalanche vs. snowball, compared in actual dollars of interest saved. SAFE TO SPEND See what's actually yours between now and payday, after everything due clears. CAN I AFFORD IT? Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date. HOME SCREEN WIDGET Your next payment and debt-free date, on your home screen. PRIVATE BY DESIGN Your data lives on your phone. No bank credentials, no required account, no ads, no selling data. Not just pay-later plans: car loans, student loans, credit cards, rent, and any other bill go on the same schedule, with one date that tells you when you are done.