Prestadero

Prestadero is an offline tool for people who want to review their personal debts more calmly, without applications, credit offers, intermediaries, investments, or an internet connection. With Prestadero, you can organize balances, due dates, contacts, personal rules, and payment decisions right from your device.

In Prestadero, each debt can save the creditor, date received, due date, original amount, confirmed balance, disputed portion, desired minimum payment, and notes. The app separates confirmed information from data that still needs review, so your decisions don't mix facts with uncertainties.

Prestadero includes a payment quorum screen that checks five points before saving a decision: minimum for basic expenses, confirmed balance, realistic due date, contact pressure, and available evidence. The result shows whether the payment can be considered, if it's advisable to pause, or if data is missing.

Prestadero's contact log lets you record calls, messages, and requests related to each debt. You can save the date, channel, person, amount mentioned, contact tone, confirmed response, and pressure level, giving you a clear history before making a decision.

Prestadero also offers an evidence section for recording receipts, contracts, screenshots, calculations, or handwritten notes. The camera is optional and only allows you to add a local photo of a document; if you don't grant permission, you can continue using text without losing any of the main functions.

In Prestadero, personal rules help prevent impulsive promises: don't pay with money earmarked for housing, don't promise under pressure, don't cover a disputed portion without reviewing it, and don't take on new debt to cover an existing one. Everything works with locally stored data.

Prestadero works without accounts, servers, synchronization, or remote data. It includes currency settings, minimum balance, start date, pause period, local reminders, summary export, privacy policy, app rating, and local data reset.