返サイ – 借金・リボ払い返済管理アプリ

"Tensai" is an app that helps you pay off your debt, loans, and revolving payments.

No need to do complicated calculations yourself!
Simply enter the loan amount, interest rate, and repayment amount to instantly create a simulation of your full repayment.

Easily manage your debt by seeing your remaining repayment amount, interest, full repayment date, and next repayment date at a glance.

It's also packed with features to help you pay off your debt early!
This app aims to help you realize that all those debts, loans, and revolving payments have disappeared before you know it!

■ Main Features

"Tensai"'s main features are as follows:

- Repayment Simulation
- Repayment Management
- Money Saving Support
- Debt Help and Useful Information

Details are below.

① Repayment Simulation

(Supports all types of debt repayment, loans, and revolving payments)

"If I increase my repayment amount, how much faster will I pay off my debt...?"
"How much do I need to increase my monthly payments to pay off my debt in one year...?"

"Tensai"'s simulation function automatically calculates the repayment plan you envision!

You can instantly find a repayment plan that will help you make a comfortable payment.

In addition to debt, you can also calculate repayments for revolving payments and loans.


・Card loans
・Revolving payments
・Mortgage loans
・Car loans
・Scholarship loans

"What if I increase my repayment amount a little?" "How much should I pay with my bonus to make it easier?"
You can quickly test these "what if" scenarios, so you can create the best repayment plan to pay off your debt as quickly as possible.

② Repayment Management

Paying off your debt requires making consistent monthly payments.
"Tensai" will support you closely until you've paid off your debt!
You'll never have to worry about struggling to make monthly payments because you can't imagine when you'll pay it off!

Support you with these features:
- Enter your monthly repayment amount
- Automatically update your balance
- Manage your repayment dates on a calendar
- Visualize your repayment progress with graphs

The more you keep track, the more you'll feel your debt is decreasing, making it easier to continue and more positive.

③ Savings Tracker

Improved spending is also important for accelerating repayment. But keeping a savings diary can be hard to maintain...
That's why "Tensai" is equipped with a tracking feature specifically designed for "saving for repayment."

Register your savings with one tap and visualize your progress toward your monthly repayment.

This makes saving feel like a game, adding positive motivation to your repayment life.

④ Useful Information (Repayment Plans, Interest Rates, Saving Tips, etc.)

Debt and repayment are areas where you can easily lose out without the right knowledge.
"Tensai" lets you check out the "information you need to know about debt"!
Knowing how to repay efficiently and what to do when repayment becomes difficult can help ease your mind and help you stay positive about your repayments.



How to Create a Repayment Plan
The Order in Which You Should Repay Your Debt
How to Make Efficient Early Repayments
Same-Day Credit Card Loans
How I Reduced My Debt from 1.5 Million Yen to 1.2 Million Yen

This app not only helps you with calculations but also provides you with accurate knowledge, providing comprehensive support for your repayments.

■ Recommended for

"Tensai" is recommended for the following people:

- People who don't know their total debt amount
People who have multiple credit card loans or revolving payments and have worried, "How much do I really owe?"

- People who have trouble keeping track of repayment dates and amounts
When monthly repayment dates and amounts vary, it can easily lead to forgetting and falling behind.

- People who want to know exactly how long it will take to pay off their debt
If you're feeling anxious about the uncertain future, try Tensai's repayment management and repayment simulation to find out when you'll be fully repaid!

- People who are worried about not being able to make a repayment plan
If you're looking at your monthly income and expenses and wondering how much you should allocate to repayments, this app will help you get a better idea of ​​your monthly income and expenses!