RepayMemo

RepayMemo puts every debt you have in one private ledger: what is due today, what is left this month, and when you will be debt-free. No account, no ads, no tracking.

EVERYTHING YOU OWE, ON ONE SCREEN
• Mortgages, car loans, credit cards, pay-later, personal and online loans, business loans and money owed to friends
• Overview: due today, left this month, total owed and your projected debt-free date
• Overdue bills stay on top in red; the next 7 days at a glance; tap "Paid" (with undo)
• Calendar with the amount due on each day, month or week view

REAL INTEREST MATHS
• Fixed payment (annuity), fixed principal, interest-only and lump-sum loans
• Enter a yearly, monthly or daily rate; every payment split into principal and interest
• The last payment absorbs rounding, so the principal always adds up
• Prepayment simulator: shorter term or lower payment, interest saved and new payoff date, then apply it to your plan

CREDIT CARDS AND PAY-LATER
• Set the statement day and due day once; new cycles appear automatically
• A reminder on statement day to enter the amount; until then last month's amount is used and marked as an estimate
• Partial payments and a full payment history you can undo

NEVER MISS A DUE DATE
• Reminders 3 days before, 1 day before and on the due date, at the time you choose
• An evening check if a bill is still not marked paid; "Mark paid" or "Remind me tomorrow" right from the notification
• App badge shows overdue and today's bills
• Home Screen and Lock Screen widgets with your next bill and what is left this month

PRIVATE BY DESIGN
• No sign-up, no login, no ads, no analytics; no data is collected
• Your data stays on your iPhone; optional Face ID / passcode lock
• Export a JSON backup or CSV spreadsheets any time
• Multiple currencies (USD, MYR, SGD, HKD, CNY, EUR, GBP and more)
• English, Simplified and Traditional Chinese; Dark Mode

UPGRADING
All accounts, periods and partial payments from earlier versions are kept, and a copy of your data is saved automatically before the upgrade.

RepayMemo only records and calculates. It does not offer loans, connect to banks or lenders, or give financial advice. Free, forever.