Ypsilon

Ypsilon helps you track loans, income, expenses/subscriptions, and upcoming payments in one simple app.

Loans
Track money you've lent to others, borrowed from friends, or owe to banks. Add loan details, payment schedules, and mark payments as paid. View overdue payments at a glance.

Income
Add income sources with recurring paydays (weekly, monthly, quarterly, yearly, or one-time). See upcoming income alongside loan payments for a complete financial picture.

Expenses & Subscriptions
Track recurring subscriptions (monthly, yearly, etc.) and one-time expenses. Keep the chosen payment day across months and see how long you’ve been subscribed. Past items are organized into a month/year archive so the app stays focused on what’s next.

Dashboard
View totals for money to receive and to pay. See upcoming items from loans, income, and expenses in one list, sorted by due date. Quickly identify overdue items.

Cashflow
A 30-day chart shows your expected cashflow based on scheduled loans, income, and expenses. Track net flow over time.

Calculator
Calculate loan payments with adjustable interest rates, payment frequency, and loan terms.

Multi-Currency
Add loans and income in different currencies. Each entry displays in its original currency.

Privacy
All data stays on your device. No account, no cloud sync, no tracking. Your financial information never leaves your phone.

Key Features
• Track loans (lent, borrowed, bank credit)
• Manage income sources and paydays
• Track subscriptions and one-time expenses
• View upcoming payments in one place
• 30-day cashflow overview (loans + income + expenses)
• Mark payments as paid or postpone them
• Overdue detection (calendar-day based)
• Multi-currency support
• On-device data only
• No account required

Ypsilon is designed for anyone who wants a clear view of their personal loans, income, and payment schedule without complexity or privacy concerns.