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 subscription purchase validation.
- 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, fi