Vadem: Bill & Debt Tracker

Bills, credit-card statements, installment payments, and shared expenses—all in one app.
No ads, no account to create; you always know what's due and when.

BILLS
• See every payment due this month—rent, electricity, water, internet, installments, insurance, subscriptions—in one list.
• Your credit-card statement builds itself from your spending, based on the card's closing and due dates.
• Minimum payment, full payment, partial payment, and carried-over balance are all supported.
• Overdue bills show a banner; upcoming ones show "N days left." Mark as paid with one tap, undo if you need to.
• Confirm a variable bill's estimated amount with one tap.
• Monthly and yearly repeats, and installment series, are handled automatically.
• Get a reminder 1, 3, or 7 days before the due date.

GROUP
• Track shared expenses for a trip, a shared home, or a group of friends: who paid, split evenly or by custom shares.
• Balances are spelled out in plain language, like "$40 owed to you."
• Settle up with Pay, or send a nudge with Remind.
• Share a group through iCloud: everyone you invite sees the same group, can add expenses, and balances stay up to date for everyone.
• Creating a group needs Vadem Premium; joining a group you're invited to is free.

DAILY
• Log expenses, income, and refunds with a category.
• Track cash, card, bank, or prepaid meal-card payments separately.
• Add installment purchases and search your history.

WALLET
• See your bank accounts and prepaid meal cards in one place, in multiple currencies.
• Amounts show in your own currency, picked up from your device on first launch; change it anytime in Settings.
• Track your net worth at a glance.
• Log your meal-card top-ups each month.

ANALYSIS
• See whether this month's bills fit your pay: "Enough" or "Short."
• Track how many days are left until payday.
• See spending by category, and how it changes month to month.
• Set a budget per category and see what's left, or where you've gone over.

PRIVACY FIRST
• No account, no ads, no tracking.
• The cards, expenses, and amounts you enter stay on your device and in your own iCloud account—never on our servers.
• Hide amounts behind a 4-digit PIN.

WHO IT'S FOR
• Anyone juggling credit-card installments and monthly bills
• Employees who get paid on a set day of the month
• Roommates, couples, and groups of friends splitting shared costs
• Anyone who wants to stay away from bank-app clutter and ads

FREE AND PREMIUM
Bills, Daily, Wallet, Analysis, reminders, PIN, and iCloud sync are free. On the free plan you can add 3 credit cards and 3 bank accounts.

With Vadem Premium:
• Create a group and share it through iCloud
• Export your data as CSV
• Add unlimited credit cards and bank accounts

Vadem Premium is offered as a monthly or yearly auto-renewing subscription, with a 7-day free trial on the yearly plan. Payment is charged to your Apple ID when you confirm the purchase. The subscription renews automatically for the same length and price unless canceled at least 24 hours before the end of the current period. You can manage or cancel it in your App Store account settings.

Download Vadem and keep your bills, statements, and debts in one place.

Privacy Policy: https://vadem.alicaglar.net/gizlilik/
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Support: https://vadem.alicaglar.net/destek/