Financial Payment Tracker

Track every debt payment, plan your payoff strategy, and watch your balances drop, all privately on your device with optional iCloud sync.

Take control of your debt, without connecting a single bank account.

Financial Payment Tracker is a privacy-first app for managing credit card, loan, and mortgage payments. You enter only what you want to track: balances, APR, and due dates. No account numbers, no bank logins, no data ever leaves your device (unless you choose to sync with your own iCloud).

WHAT YOU CAN DO

• Track multiple accounts: credit cards, auto loans, personal loans, student loans, mortgages, all in one place.

• Log payments and charges manually and watch your balance update with every entry.

• Never miss a due date: set smart payment reminders and the app notifies you a few days before each payment is due.

• Plan your payoff with Avalanche or Snowball strategies. See exactly which account to attack first, how much interest each strategy saves, and the month you'll be completely debt-free.

• Track your savings goals alongside your debt, see your full financial picture in one app.

• Export your payment history as a PDF statement or Excel-compatible CSV, perfect for budgeting reviews or sharing with a financial advisor.

• View a monthly bar chart of all payments at a glance on the History tab.

• Add a home screen widget to see your next payment due without opening the app.

• Pair with your Apple Watch for a read-only companion showing upcoming payments and a watch face complication with a due-date countdown.

• Lock the app behind Face ID or Touch ID so your financial data stays private even if someone picks up your phone.

• Optionally sync across all your Apple devices with iCloud, all stored in your own private iCloud database, never on our servers.

PRIVACY BY DESIGN

Most finance apps require you to connect your bank and hand over your login credentials. Financial Payment Tracker never asks for any of that. Every number you enter stays on your device. We have no servers, no analytics, and no advertising. That's it.