InDebt

Version 6.0: Payment Schedule & More! NEW: Payment Schedule Create a full payment schedule for any debt with interest! Choose between annuity (equal payments) or differentiated (decreasing payments) calculation. The app generates a complete amortization table showing principal, interest, and remaining balance for each payment. Early Repayment: make early payments at any time and choose how to apply them — reduce the remaining term or lower the monthly payment. The schedule recalculates automatically. Late Payment Penalties: configure automatic penalty charges for overdue scheduled payments — fixed amount or percentage of the debt, one-time or per day of delay. Penalties can be tracked separately or added to the debt balance with schedule recalculation. Payment Reminders: enable notifications for upcoming scheduled payments with a custom reminder time. Tap a notification to jump straight to the debt. NEW: Debt Top-Up Add additional funds to any existing debt. For debts with a schedule, choose whether to extend the term or increase the monthly payment — the schedule recalculates from the top-up date. Improved Privacy The app screen is now hidden and blurred in the iOS multitasking switcher when biometric authentication is enabled — just like banking apps. Enhanced Export Share complete debt details: full payment schedule, early repayments, top-ups, penalties, interest breakdown, and total outstanding balance. History: Sorting & Filtering Sort closed debts by date, name, amount; filter by debtor/creditor, currency, or overdue status.

Book of debts with the possibility of accounting for interest on the debt and charge penalties for delayed debt repayment. Interest and penalties charging. Any currency in the world. Backup of your data. All payments in debts history. Total profit for all closed debts. Export of history. Notifications when the debt is overdue. Light and dark theme.