Sincap: Bills & Installments

Installments, credit card statement periods, money you lend or owe, and subscriptions in one place.
Pick your payday: balance, budgets, reports and widgets follow your own month.
No bank login, no ads, your records stay on your iPhone.

INSTALLMENTS AND FIXED PAYMENTS
- Enter an installment purchase once; the remaining months are created for you and shown as "3/12".
- Plan recurring and fixed payments; anything marked as pending can remind you 1, 3, 7 or 14 days before it is due.
- Pending payments list with overdue count, total amount and swipe to mark as paid.

CREDIT CARD STATEMENT CYCLE
- Add a card with its limit, statement day and payment due day.
- The cycle follows your statement day, not the calendar month.
- See cycle spending, limit usage and what is left for this cycle.
- Payment method and per-card breakdown in reports.

DEBTS AND LOANS BETWEEN PEOPLE
- Track what you owe and what people owe you: name, amount, due date.
- Add partial payments, follow paid and remaining progress, see closed and overdue badges.
- Reminders before the due date; optionally post the payment to your expenses.

SUBSCRIPTIONS
- Weekly, monthly, quarterly and yearly cycles; upcoming renewals and days left.
- Monthly and yearly total subscription cost.
- The free version shows how many subscriptions need review and their yearly cost; Pro shows which ones, with a reason: no matching spending, a large share of your monthly spending, or a year of uninterrupted renewals.

YOUR PAYDAY MONTH
- Set the month start anywhere from the 1st to the 28th and let every screen follow it.

BUDGETS, GOALS AND REPORTS
- Category limits, overspending alerts, comparison with the previous month.
- Savings goals with milestones, contribution history and a target date.
- Weekly, monthly, quarterly and yearly reports; savings rate, cash flow, category breakdown.
- Create and share a PDF financial report.
- Financial health score, end of month forecast and automatic insights.

STAYS ON YOUR DEVICE
- No bank connection, no account linking; your financial records are never uploaded to a server. The only external connection is the in-app purchase service.
- Backups are encrypted with a key stored in your device Keychain, plus an automatic recovery copy before every restore.
- No ads, no data selling.

ALSO INSIDE
- 4 widgets: balance, budget ring, upcoming subscriptions and Lock Screen.
- Siri Shortcuts to add an expense or income and to ask for your balance or remaining budget.
- Spotlight search across your past transactions.
- On device category suggestions that learn from your own choices.
- Light, dark and OLED themes, hidden amounts, notifications with quiet hours.
- VoiceOver, Dynamic Type and Reduce Motion support.

SINCAP PRO
Monthly or yearly subscription, or a one-time lifetime purchase. The free version includes 3 budgets, 2 goals, 5 subscriptions, 5 debts, 5 cards, 5 custom categories and a PDF report for one period. Pro unlocks unlimited records, subscription review, financial health score, end of month forecast, advanced insights, the full timeline and automatic backups. Your existing records are never locked by a limit.

Payment is charged to your Apple Account when the purchase is confirmed. The subscription renews automatically unless it is turned off at least 24 hours before the end of the period; you can manage or cancel it in your App Store account settings.

Amounts are shown in the currency symbol you choose; the app does not convert between currencies.
App interface is available in English and Turkish.

• Lifetime Pro: a one-time option now sits next to the monthly and yearly subscriptions. Pay once, no renewals, nothing to cancel. If you change device or reinstall the app, "Restore Purchases" on the Pro screen brings it back.

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