Çıkı vs Borcsuz

Çıkı is your household's shared budget book. It's named after the knotted cloth people once tied their savings in. Keep your cards, loans, rent, bills and salaries in one place, and see past months, this month and upcoming months at a glance. SEE YOUR MONTH-END TODAY • Month-end net, income and expenses on one card • A per-person view of who pays and earns what • A 13-month chart; upcoming months are estimated from recurring payments • Payments due this month, sorted by due day KEEP YOUR SPREADSHEET HABITS • Table view: months across, items down • Paid, pending and skipped-this-month states • Installments, copy from last month, amount suggestions USE IT TOGETHER • Share your household over iCloud with your partner, family or housemates • Everyone sees and edits the same entries, and you can see who changed what • Unlimited people with relationship labels CURRENCY AND IBAN • 21 currencies at central bank rates; view totals in the currency you choose • Paid foreign-currency entries keep the rate from the payment day • An IBAN book for your landlord, building fees and more, copied with one tap REMINDERS AND SHORTCUTS • Notifications before each due day • Home Screen and Lock Screen widgets • Apple Watch app and watch face complications • CSV export as an entry list or a spreadsheet-style table ON EVERY DEVICE • iPhone, iPad, Mac and Apple Watch • A two-pane layout that follows the fold on iPhone Duo • Light and dark mode, English and Turkish YOUR PRIVACY STAYS YOURS • No data collected: no ads, analytics or tracking • Your entries stay on your device and in your own iCloud account • Face ID lock, hidden amounts in notifications, delete all your data

=== PROMOTIONAL TEXT (135/170) === See your debt-free date. Track every balance, simulate extra payments, and follow Snowball or Avalanche — with widgets and Apple Watch. === KEYWORDS (98/100) === debt,payoff,snowball,avalanche,loan,credit card,freedom date,payment planner,debt tracker,interest === DESCRIPTION (1117/4000) === Borcsuz helps you plan the path to debt freedom — not just list what you owe. See your total debt, freedom progress, and estimated debt-free date in one place. Record payments, explore “what if” scenarios, and get a clear payoff order with Snowball or Avalanche. WHAT YOU CAN DO • Home overview — total remaining, freedom ring, days and months left • Track debts — credit cards, loans, gold/FX units, friends & family, and more • Log payments — balances and forecasts update instantly • Payment Simulator — extra or missed payments without changing your real data • Snowball & Avalanche — recommended order, milestones, interest comparison • Freedom Timeline — from today to each paid-off debt to debt-free • Reports — monthly progress and debt reduction charts • Goals & monthly budget leftover • Achievements for progress milestones • Reminders for upcoming and overdue payments • Widgets and Apple Watch companion • Export/import your data; Face ID / PIN app lock Built for people who want clarity and motivation — not expense tracking or full accounting. Download Borcsuz and start moving toward debt freedom.