My Debts Control by Lehreer

My Debts Control is not an app to log every coffee. It shows your whole month: what comes in, what's already committed —loans, credit cards, utilities, subscriptions, rent, what you set aside for your goals— and how much you truly have left.

You add once what you pay every month and the app does the math for you, every month.

WHAT'S TRULY LEFT • Your income minus everything already committed. That's the number that matters, and one tap shows where it comes from. • Your credit card limit is not your money: it's borrowed. We show it apart, with what it costs you to use it. • Got a bonus? Add it to that month only, without touching your salary. • No fixed salary? Log what comes in and we tell you how much you still need to cover your bills.

YOUR DEBTS, CLEAR • How much you owe, how many installments are left and the month you finish. • Simulate extra payments: how much interest you save and how many months sooner you finish. • Does the bank charge more than the installment? We work out the insurance and fees it adds. • APR, monthly rate, principal: explained without bank jargon.

CREDIT CARDS • The statement payment, the minimum, and what paying only the minimum costs you. • Your purchases in installments, with how many are left.

BILLS THAT CHANGE EVERY MONTH • Power, water or gas come in different: add the real bill each month and everything else stays the same.

WHEN CAN YOU BREATHE? • The coming months at a glance: when each debt ends and how much you'll have left.

REMINDERS • We remind you before each payment, on the day and, if you didn't mark it, the day after. They work offline.

SAVINGS GOALS • How much you need and by when: we tell you how much to set aside each month. Save more or less one month and we spread what's left.

SPACES • Keep personal apart from your business, or a dollar account on its own, each with its own income, payments and currency.

PRIVACY • We never ask for your bank password or connect to your bank. We don't move your money. • Hide the amounts with one tap, like in your bank's app. • Lock the app with Face ID or your fingerprint. • Download your data to Excel, by year.

WHAT IT ISN'T • It's not for logging every daily expense: a budget inside the app, like Groceries, is enough for that. • If you split expenses with other people and want to know who owes whom, there's Group Expenses, our other app. • If you track a business's sales and inventory, there's My Business Control.

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