Ypsilon

Ypsilon helps you organize income, recurring expenses, loans, assets, and reminders on your device. No account is required.

Track everyday finances
Keep income sources and expense schedules together. Record payments manually, review payment history, and archive completed entries. Attach up to three photos to an expense and view or share them when needed.

Understand payment status
Manual expenses remain outstanding until you confirm payment. Automatic debit entries can be estimated after their due date. Ypsilon does not connect to your bank, verify payments, or transfer money.

Manage loans and assets
Track money lent, money borrowed, and bank credit with payment schedules and remaining balances. Keep a separate record of your assets.

Plan ahead
See upcoming loan and income payments, a 30-day cashflow projection, and reminders. Use the loan calculator to explore payment amounts, interest, and repayment terms. Projections are based on the records you enter and are not bank balances. Amounts in different currencies stay separate.

Local and private
Your records are stored on your device, without an account or cloud synchronization. Share an attachment only when you choose. Review notifications received by the app in its notification inbox, and consult the offline English user guide for help.

Available in English, Romanian, German, Spanish, French, Hindi, Italian, Russian, and Simplified Chinese.