Kredika — Loan & Debt Tracker

Kredika is a convenient personal finance app for keeping track of loans, credits, and debts in one place. Add your financial obligations, monitor upcoming payments, and keep important repayment information at hand. The app helps you better understand your current debt load and plan your personal budget more carefully.
The main screen provides a clear overview of your financial commitments. You can see the total amount of monthly payments, the nearest upcoming payment, and the amount of money remaining after your debt payments. This makes it easier to plan everyday expenses and understand how much of your budget is available for other needs.
Kredika allows you to track the remaining balance and overpayment for each loan or debt. You can also use the payment calendar to check upcoming due dates and keep repayment information organized. Having all obligations in one place helps reduce the risk of missing an important payment and makes it easier to monitor how your debt changes over time.
The built-in loan simulator helps you estimate the total cost of credit and the expected overpayment before making a decision. Enter the loan amount, repayment period, and interest rate to calculate estimated payments and assess the potential financial burden. The calculation is for informational purposes only and does not replace the individual terms of a loan agreement.
Kredika also provides access to information about loan offers from partner companies. You can review available options and learn more about their main parameters, including the amount, term, interest rate, total cost of credit, and repayment conditions. The app may redirect you to the selected partner’s website or service for further details and application submission. Kredika does not guarantee approval, and the final decision and individual terms are determined by the relevant financial organization.
Credit terms:
Minimum annual interest rate (min Annual Percentage Rate (APR)): 0% per annum!
Maximum annual interest rate (max Annual Percentage Rate (APR)): 35% per annum.
Minimum repayment period: ninety-one days;
Minimum repayment period: four thousand three hundred eighty days.
An example of calculating lending in a microfinance organization:
Loan amount: $250;
Duration: 3 months;
Max Loan Rate: 12%;
Interest amount (example of interest calculation): $5.1;
Total payment amount: $255.1;
Before applying for a loan, carefully review the agreement, the total cost of credit, the repayment schedule, possible fees, and late payment conditions. Make sure that the planned payments match your financial capabilities. The availability of partner offers and their terms may change.

Recent changes:
Minor bugs fixed.