Credit Card Manager

Credit Card Manager — not a ledger, a debt coach. Manage all your credit cards in one app, see the true cost of interest, and put your debt on a plan. 🔒 PRIVACY FIRST • No account, no sign-up, no bank login — ever • No personal data is collected or sent to any server • Your data stays on your device, stored encrypted • All tracking and calculations work without a connection 📊 FINANCE COACH • Interest Simulator: what happens if you pay the minimum, or pay late? See the true cost, taxes included • Restructuring Simulator: spread your debt over up to 48 months and compare scenarios • Debt Payoff Planner: snowball vs. avalanche side by side, with your interest savings • Cash Flow Calendar: the next 30 days of payments plus a month-end debt projection • Debt Health Score: a 0–100 score with concrete tips to improve it 💳 CARD MANAGEMENT • Limits, statement dates and due dates on one screen • "Which card today?" — a daily suggestion based on interest-free days • Limit utilization trend chart • All card types, including Amex 🧾 EXPENSE TRACKING • Transactions and installments; installments are scheduled automatically • Recurring transactions and annual-fee reminders • Person tags: see who spent what • 4 currencies: TRY, USD, EUR, GBP 🔔 SMART REMINDERS • Due date and statement date notifications • Limit usage warnings at 75% and 90% • Reward point expiry alerts (90/60/30 days) 🧮 STATEMENT TOOLS • Statement reconciliation: enter your statement total and catch differences instantly • Annual-fee refund letter: generate an objection PDF with a step-by-step guide • Reward point balance tracking 🆓 FREE — no time limit • 2 cards, unlimited transactions, all reminders • Finance coach, statement tools, recurring payments • AES-256 encrypted backup and CSV export 💎 PREMIUM • Unlimited cards • Receipt scanning with your camera (OCR) — auto-fills the amount • Detailed reports with charts and PDF export • Smart spending insights • Advanced sorting options Choose monthly, yearly (7-day free trial) or pay once with Lifetime. 🌍 4 languages (Turkish, English, German, Spanish) • Light/dark theme Note: Turkish interest-rate presets (2026 CBRT tiers, KKDF/BSMV taxes) are built in, and every rate is editable — so you can use the app anywhere. The app is for information purposes only and performs no banking transactions.

• Quick shortcuts: long-press the app icon to jump straight to Add expense, Record payment, Reports and Notifications, or pin them to your home screen. • In-app updates when a new version is available. • Full-screen display improvements for Android 15 and later.