InDebt6.0 - App Store

Book of debts with the possibility of accounting for interest on the debt and charge penalties for delayed debt repayment.

Interest and penalties charging.
Any currency in the world.
Backup of your data.
All payments in debts history.
Total profit for all closed debts.
Export of history.
Notifications when the debt is overdue.
Light and dark theme.

Version History Version 6.0: Payment Schedule & More!

NEW: Payment Schedule
Create a full payment schedule for any debt with interest! Choose between annuity (equal payments) or differentiated (decreasing payments) calculation. The app generates a complete amortization table showing principal, interest, and remaining balance for each payment.

Early Repayment: make early payments at any time and choose how to apply them — reduce the remaining term or lower the monthly payment. The schedule recalculates automatically.

Late Payment Penalties: configure automatic penalty charges for overdue scheduled payments — fixed amount or percentage of the debt, one-time or per day of delay. Penalties can be tracked separately or added to the debt balance with schedule recalculation.

Payment Reminders: enable notifications for upcoming scheduled payments with a custom reminder time. Tap a notification to jump straight to the debt.

NEW: Debt Top-Up
Add additional funds to any existing debt. For debts with a schedule, choose whether to extend the term or increase the monthly payment — the schedule recalculates from the top-up date.

Improved Privacy
The app screen is now hidden and blurred in the iOS multitasking switcher when biometric authentication is enabled — just like banking apps.

Enhanced Export
Share complete debt details: full payment schedule, early repayments, top-ups, penalties, interest breakdown, and total outstanding balance.

History: Sorting & Filtering
Sort closed debts by date, name, amount; filter by debtor/creditor, currency, or overdue status. 6.0 Mar 12 Fixed a critical bug with displaying total debt on the debt screen. 5.2.1 05/16/2024 - added search by debtor's name to all sections
- added display of the comment to the debt on the main screen
- fixed incorrect display of debt after adding a payment
- fixed comment display in debt details
- fixed several minor bugs 5.2 07/17/2023 Critical bug with iCloud backup was fixed. 5.1.2 04/17/2022 Fixed small bugs. 5.1.1 02/05/2022 Fixed a bug that in some cases led to incorrect data conversion from the old data format to the new format.

The total active debts view was added. 5.1 01/27/2022 New design.
Penalties charging.
All payments in debts history.
Total profit for all closed debts.
Export of history. 5.0 01/23/2022 Widget added
More currencies symbols are added
Minor bugs fixed 4.1.1 10/06/2020 Widget added
More currencies symbols are added
Minor bugs fixed 4.1 10/04/2020 Fixed a bug that caused the application to crash when the notification time in the application settings changed to iPad. 4.0.4 06/12/2020 Fix bug with monthly repeat regular payment notification. 4.0.3 05/17/2020 Elimination of a critical error in the creation of a debt, which led to the crash of the application 4.0.2 05/08/2020 New in this update:
- iPad support
- new design
- light and dark themes
- a new opportunity to create regular notifications of partial repayment of debt
- the ability to add an avatar for debtors
- an updated list of currencies
- the search bar in a list of currencies

The advanced functionality of the free version:
- unlimited number of debtors
- debt editing
- partial repayment of debt
- the ability to contact debtors
- currency selection

Fixed error displaying dates when editing a regular payment notification. 4.0.1 05/06/2020 New in this update:
- iPad support
- new design
- light and dark themes
- a new opportunity to create regular notifications of partial repayment of debt
- the ability to add an avatar for debtors
- an updated list of currencies
- the search bar in a list of currencies

The advanced functionality of the free version:
- unlimited number of debtors
- debt editing
- partial repayment of debt
- the ability to contact debtors
- currency selection 4.0 05/03/2020 Fixed a critical error that caused the application to crash when entering fractional numbers using a comma in debt amounts and percentages! 3.0.1 12/06/2019 Added the ability to save a debt history.
Added sorting of debts to the main screen. 3.0 11/26/2019 - Added support for touchID and faceID
- Fixed bug with sending notifications after deferred payment
- Minor bugs fixed
- Improved application stability 2.2 04/27/2019 Fixed bug with automatic adding to the blacklist​. 2.1 04/09/2019 A long-awaited update, greatly expanding the capabilities of the application!

Added many new features:
- You can choose any currency in the world! You decide how the currency will be displayed: with a symbol or international code!
- Set up automatic or manual copying of data to iCloud and synchronization of copies on different devices!
- You now have the opportunity to extend the payment in one touch!
- Added a blacklist​ of problem debtors and automatically add to the list of people who have delayed payment!
- Now you can contact the debtor with one touch: make a call, send SMS, write an e-mail or contact the debtor via instant messengers and social networks!
- Choose the time to send notifications - this is your choice!
- Added support for old devices running iOS10 and higher!

More great and useful features coming up soon! 2.0 03/19/2019 Added new features:
- Select the type of interest (for example per day, per month, etc.)! Now you can fine-tune​ your debts!

- The possibility of partial repayment of debt. Now you can specify a partial return of the debt. With a partial return of the debt, it became possible to indicate the method of calculating the subsequent interest (for the whole amount or for the debt balance)

Added support for Swedish. 1.3 10/17/2018 Added support for Spanish, Italian, Portuguese, Chinese. 1.2.11 07/28/2018 Added support for French.

Coming soon will be the following languages: Spanish, Chinese, Japanese, Portuguese and others. 1.2.10 07/24/2018 Added support for the ​German language.

Coming soon will be the following languages: French, Spanish, Chinese, Japanese, Portuguese and others. 1.2.9 07/22/2018 Fixed minor bugs 1.2.8 07/17/2018 Fixed bug with sending notifications on some devices. 1.2.7 07/14/2018