Sincap: Bills & Installments

Store description excerpt

Installments, credit card statement periods, money you lend or owe, and subscriptions in one place. Pick your payday: balance, budgets, reports and widgets follow your own month. No bank login, no ads, your records stay on your iPhone. INSTALLMENTS AND FIXED PAYMENTS - Enter an installment purchase once; the remaining months are created for you and shown as "3/12". - Plan recurring and fixed payments; anything marked as pending can remind you 1, 3, 7 or 14 days before it is due. - Pending payments list with overdue count, total amount and swipe to mark as paid. CREDIT CARD STATEMENT CYCLE - Add a card with its limit, statement day and payment due day. - The cycle follows your statement day, not the calendar month. - See cycle spending, limit usage and what is left for this cycle. - Payment method and per-card breakdown in reports. DEBTS AND LOANS BETWEEN PEOPLE - Track what you owe and what people owe you: name, amount, due date. - Add partial payments, follow paid and remaining progress, see closed and overdue badges. - Reminders before the due date; optionally post the payment to your expenses. SUBSCRIPTIONS - Weekly, monthly, quarterly and yearly cycles; upcoming renewals and days left. - Monthly and yearly total subscription cost. - The free version shows how many subscriptions need review and their yearly cost; Pro shows which ones, with a reason: no matching spending, a large share of your monthly spending, or a year of uninterrupted renewals. YOUR PAYDAY MONTH - Set the month start anywhere from the 1st to the 28th and let every screen follow it. BUDGETS, GOALS AND REPORTS - Category limits, overspending alerts, comparison with the previous month. - Savings goals with milestones, contribution history and a target date. - Weekly, monthly, quarterly and yearly reports; savings rate, cash flow, category breakdown. - Create and share a PDF financial report. - Financial health score, end of month forecast and automatic insights. STAYS ON YOUR DEVICE - No bank connection, no account linking; your financial records are never uploaded to a server. The only external connection is subscription purchase validation. - Backups are encrypted with a key stored in your device Keychain, plus an automatic recovery copy before every restore. - No ads, no data selling. ALSO INSIDE - 4 widgets: balance, budget ring, upcoming subscriptions and Lock Screen. - Siri Shortcuts to add an expense or income and to ask for your balance or remaining budget. - Spotlight search across your past transactions. - On device category suggestions that learn from your own choices. - Light, dark and OLED themes, hidden amounts, notifications with quiet hours. - VoiceOver, Dynamic Type and Reduce Motion support. SINCAP PRO Monthly or yearly subscription, or a one-time lifetime purchase. The free version includes 3 budgets, 2 goals, 5 subscriptions, 5 debts, 5 cards, 5 custom categories and a PDF report for one period. Pro unlocks unlimited records, subscription review, fi

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