Payoff Path vs Remember & Pay

Keep every loan, credit card and line of credit in one place, and find out exactly when you'll be debt-free. Enter your monthly budget and the app simulates your payoff with daily interest calculations. It also tells you ahead of time whether your cash will last until payday. There's no limit on the number of loans, and all the calculations and records are free. ■ Will it last until payday? (Premium) • Home shows whether your cash will last until your next payday, with an alert 3 days before you're likely to run short • Forecast balances per account (bank, cash, e-wallet), credit card bills and installment plans together • An "Until payday" widget, and export to the iPhone Calendar ■ Home • Total balance, progress, this month's payments, payoff date and the interest still to come, at a glance • A checklist for this month: target, paid so far and what's left for each loan • Balance breakdown (pie chart) and balance over time (actual and forecast) ■ Payoff simulation • Set a total monthly payment and compare "minimums only", "highest rate first" (avalanche) and "smallest balance first" (snowball) • When a loan is paid off, its payment automatically rolls over to the others • Add extra in bonus months, or work back from a target date to find the monthly amount you need • Compare with refinancing or consolidating ■ Payment history • Record payments for several loans at once, and correct interest or balance to match your statement • Handles additional borrowing and balance adjustments • Reports show how your balance changed over any period, split into principal and interest ■ Payment calendar • See due dates, payments made, overdue items and new borrowing month by month • Due dates that fall on a weekend can move to the previous or next business day ■ Flexible terms • Promotional (introductory) rates and rate changes • Payments on a fixed day each month, or every 35 days • Works with your local currency ■ Private by design • Your data stays on your device (iCloud sync only if you turn it on) • Face ID lock, due date reminders, home screen widget • Backup export and restore • Lock screen widgets • Export your history and payoff plan as CSV • Milestone celebrations at 25%, 50% and 75% paid ■ Premium (one-time purchase) • Removes ads • Cash flow calendar: add your salary and bills to see whether you'll have enough on each due date • Home and widget show whether your cash lasts until payday, with an alert 3 days before you run short • Balances per account, credit card bills and installment plans • Save and compare payoff scenarios, including one-off extra payments • A printable PDF of your loans and payoff plan • Milestone cards • Export due dates and planned income/expenses to the iPhone Calendar • Alternative app icons that don't look like a debt app • Import planned expenses into the monthly payment memo ※ Results are estimates. Check your actual interest and amounts due with your lender. ※ This app does not recommend borrowing or refinancing.

Rent, credit card, loan, utility bills or subscriptions. Remember & Pay remembers every due date for you, so you never miss a payment again. No bank connection, no account, no ads. Your data stays on your own devices and in your own iCloud account. WHAT YOU CAN TRACK • Rent, loan installments, credit cards (optional statement date plus payment due date) • Electricity, water, gas, internet and phone bills • Subscriptions, HOA or building fees, insurance, tax, school and course fees • Installment purchases: enter the number of installments and the app counts them down • Amount is optional and any currency works • Repeat: one time, weekly, every 2 weeks, twice a month, every N days, monthly, every 2, 3 or 6 months, yearly, with an optional end date • Autopay, this month's amount, credit card minimum payment and partial payments REMINDERS THAT GET NOTICED • A notification on the due day (12:00 by default) • Extra reminders 1, 2, 3 or 5 days, or 1 or 2 weeks before • Optional "remind me every day until paid" • Optional persistent due day reminders at your reminder time, then again at 4 PM and 8 PM • Time Sensitive notifications and 10 second alarm sounds (bell, classic alarm clock, digital, siren, melody and more) • Snooze or mark as paid right from the notification IMPORTANT DATES • Birthdays, wedding anniversaries and special days, reminded every year MONEY OWED TO YOU AND BY YOU • Keep track of who owes you and whom you owe, with due dates and reminders HOME, REPORTS AND CALENDAR • This month at a glance: pending and paid • The next 14 days, with one tap to mark as paid • Payday card plus an income and payday plan • Reports with monthly totals by category • Calendar view IPHONE, IPAD AND APPLE WATCH • iCloud sync: the same records on your iPhone and iPad. Your data is kept in your private iCloud space and we can't see it • Apple Watch app: see upcoming payments and mark them as paid from your wrist • Siri and Shortcuts: ask "How much is left this month in Remember & Pay?" • Live Activity on the Lock Screen for payments that are due MORE • Quick Setup and a Trust Center: test notification, Backup File, Recently Deleted • Import from Calendar and Reminders • Optional sync of all entries to a "Remember & Pay" calendar • Home Screen and Lock Screen widgets • Face ID lock • Color themes and dark mode • CSV export and a PDF summary FREE TRIAL AND REMEMBER & PAY PRO • Pro includes unlimited records, early and persistent reminders, alarm sounds, money owed, income plan, reports, widgets, Live Activity, the Apple Watch app, calendar import and sync, Face ID lock, export and partial payments. • Remember & Pay Pro is a monthly or yearly auto-renewing subscription. Current prices are shown in the app. • The monthly plan includes a 1-week free trial for eligible new subscribers. Unless you cancel at least 24 hours before the trial ends, it converts to the paid monthly subscription. • Payment is charged to your Apple Account at confirmation of purchase, or when the free trial ends. • The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. Renewal is charged within 24 hours before the end of the period. • You can manage or cancel your subscription in your App Store account settings. • Any unused part of a free trial is forfeited when you purchase a subscription. • The free version includes up to 5 active payments or important dates, with a reminder on the due day only. Early reminders, daily reminders until paid, alarm sounds and other Pro features need Pro. • When Pro or the free trial ends, all records stay visible and can be marked as paid. Only 5 records keep their due day reminder and you choose which 5. Reminders for the other records are paused. Privacy Policy: https://hatirlaode.netlify.app/privacy Terms of Use (EULA): https://hatirlaode.netlify.app/terms Support: https://hatirlaode.netlify.app/support