Prestadero

Prestadero helps you organize your own debts, installments, and monthly commitments with an offline planner. Enter your figures to see original amounts, remaining balances, minimum monthly payments, upcoming dates, and progress in one dashboard. Results are estimates based on the information you provide. Keep a clear list of commitments with Prestadero. Add a name, category, balance, annual interest rate, minimum payment, next due date, and notes. Search, sort, and filter active, completed, overdue, or archived records. Record payments, edit details, and restore archived entries when you need them. Build a repayment plan in Prestadero using the snowball method, the avalanche method, or your own order. Set a start date and extra monthly budget to review estimated payoff dates, interest, and savings compared with minimum payments. Monthly schedules and a breakdown by commitment help you understand the calculation. A warning highlights a budget that cannot cover minimum payments. Explore alternatives with Prestadero before changing your records. Compare up to three scenarios by monthly payment burden, estimated interest, repayment time, and completion date. Adjust extra payments, rates, minimum payments, or a one-time contribution, then save a scenario for later review. The manual calculator also estimates a monthly payment, repayment term, or available amount from the values you enter. Use Prestadero to calculate your debt-to-income ratio from your net monthly income and payments, review regular expenses and a desired reserve, and explore the remaining budget. Track installments, paid and remaining contributions, and upcoming dates. Local charts show balances by category, debt history, payment distribution, and projected completion dates. Optional local reminders help you keep track of the dates you set. Prestadero stores records and performs calculations on your device. Start with an empty workspace or demo data, choose a display currency and rounding preferences, and manage reminder timing. You can remove local data after confirmation. The app does not issue loans, approve applications, connect you with lenders, or process payments. Calculations are informational estimates, not financial advice, credit approval, or an offer of funds.