Harbor vs Loan Manager & Debt Tracker

Harbor is for people who avoid looking at what they owe -- not because they don't care, but because looking feels like being judged. Open it and nothing bad happens. No score, no ranking, no red numbers, no lecture about what you should have done differently. Just the real total, and a quiet place to sit with it. You add what you owe by hand: the name, the balance, and -- if you know them -- the interest rate and the minimum payment. No bank linking, no account, no sign-up. Nothing you type here leaves this phone. WHAT'S INSIDE -- Your real total, right now, in your own currency (23 to choose from) -- A weekly check-in that takes under a minute: tap how it feels (heavy / okay / a bit lighter -- there is no wrong answer), update a balance if you know it, done -- "Since your last check-in" -- the interest that quietly added up while you were away. Information, not a scolding, and deliberately capped so it never becomes a frightening number -- A clear-by date: enter a rate and a monthly payment and Harbor estimates the month each debt finishes -- Progress counted from what you actually brought down, so entering a forgotten balance later can't erase it -- A history chart of your total over time -- Optional Face ID or passcode lock, because debt is something people hide from the people closest to them, not just from themselves -- An optional weekly reminder. One quiet nudge, nothing more -- Light, dark, or automatic appearance, in 15 languages WHAT HARBOR NEVER DOES -- No streaks. A missed week is never drawn as a broken chain -- No payoff strategy, no snowball-versus-avalanche coaching, no financial advice. This is not a coach. It's a mirror -- No bank connection, no account, no ads, no analytics, no tracking of any kind Harbor doesn't sell your data because it never collects any. Everything you enter stays on this device, and it is still there -- quiet, honest, and never judging you -- whenever you are ready to look again.

KreditPilot is a clear loan management and debt tracking app for private lenders, investors and businesses. Organize borrowers, agreements, capital, installments, interest and incoming payments in one place — without spreadsheet clutter. YOUR LOAN PORTFOLIO AT A GLANCE • Dashboard for outstanding balances, invested capital, due dates and interest income • Borrower and loan records with a complete payment and event history • Calendar and agenda for upcoming, paid and overdue installments • Record payments, create receipts and correct entries with traceable reversals FLEXIBLE REPAYMENT PLANS Model fixed total repayment, annuity with a reducing balance, equal principal, interest-only and open-ended loans. Configure payment frequency, collection day, grace periods, weekend handling and late-fee rules to match each agreement. ANALYTICS AND DOCUMENTS Track cash flow, returns, recovery rate, outstanding debt, concentration and risk. Create loan statements, period reports, cash-closing reports and numbered payment receipts as PDFs. Multiple currencies help you manage international portfolios. LOCAL AND PRIVATE No account is required. Your data stays on your device. Backups can be exported and restored on your terms, and documents leave the app only when you choose to share them through the system share sheet. The free version supports up to 2 borrowers and 3 loans. KreditPilot PRO removes those limits and unlocks advanced analytics, audit and PDF exports, personalized reminders and automatic backups. KreditPilot documents existing lending relationships. It does not issue, broker or process loans or payments. Privacy Policy: https://blueapps.pro/kreditpilot/privacy/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/