Credit Score & Debt Planner

Master your money — offline, private, and powerful.
Take full control of your finances, credit score, debt payoff, savings, budgeting, and loans with this all-in-one personal finance app. No internet, no sign-ups, no third-party APIs — just pure, secure offline money management.

Key Features:
• Credit Score Simulator & Tracker
Simulate your credit score from 300 to 850, similar to a FICO score.
Input debts, income, missed payments, credit utilization ratio, credit age, payment history, and hard inquiries.
Track credit score changes and trends over time with clear charts and progress graphs.
Understand credit reports, credit ratings, credit score factors, and build healthy credit habits to improve your creditworthiness.

• Debt Management & Payoff Planner
Add and track all your debts — credit cards, personal loans, mortgages, student loans, auto loans, and more.
Use proven debt payoff strategies like snowball and avalanche methods to pay off debt faster and save on interest.
Calculate payoff timelines, interest saved, debt consolidation plans, and manage your debt-to-income ratio.
Visualize your debt payoff progress, monthly payments, outstanding balances, and payment schedules with this debt payoff calculator.

• Budget Tracking & Expense Planner
Create budgets offline for daily, weekly, and monthly expenses.
Add income, categorize expenses, and monitor spending habits with budget limits.
Get visual spending summaries and cash flow charts to stay within budget and improve money management.
Track expenses, bill payments, and control personal and family finances with ease using this budget planner app.

• Loan Calculator & Amortization Schedules
Calculate monthly payments, interest rates, and total costs for mortgages, car loans, personal loans, student loans, and business loans.
View amortization schedules with principal and interest breakdowns over time.
Estimate loan payoff dates and interest savings with a loan payment calculator.

• Payment Reminders & Alerts
Set payment reminders for all bills, loans, and debts to avoid late fees and maintain a positive payment history.
Receive alerts for due dates, overdue payments, and upcoming bills.
Improve your credit score by staying on top of payments with timely notifications.
• Savings Goal Tracker
Set and track savings goals for emergency funds, vacations, or big purchases.
Monitor progress with visual bars and estimate completion dates.
Use savings challenges like the 52-week savings plan to build money discipline and achieve your financial goals.

• Offline & Private
Works fully offline with no internet required, no sign-ups or accounts needed.
Data is stored locally on your device using secure storage methods like SQLite and AsyncStorage.
Optional PIN or biometric lock protects your financial data and documents.
• Credit Education & Financial Literacy
Access guides on credit score improvement, credit repair, credit building, budgeting tips, debt management advice, and personal finance education.
Learn how credit scores are calculated, what factors affect them, how credit utilization and payment history impact your score, and how to reduce credit risk.
Improve your financial health and creditworthiness with expert tips and best practices.
• Multi-Currency & Multi-Language Support
Supports multiple currencies and languages for global users managing credit, debts, and finances.

Why Choose Credit Score & Debt Planner?
Combines credit score simulation, debt payoff, budget tracking, loan calculations, and savings goals.
Powerful offline personal finance toolkit ensuring privacy and no data sharing.
Easy-to-use interface with visual charts, graphs, and reminders for better financial tracking.
Ideal for individuals rebuilding credit, managing debts, budgeting, and saving money.
Suitable for beginners, students, families, professionals, and anyone serious about financial wellness.

Download today and begin your path to better credit, faster debt freedom, and smarter money management.