Credit Score & Debt Planner

Master your money — offline, private, and powerful.
Take full control of your finances, credit score, debt payoff, savings, budgeting, and loans with this all-in-one personal finance app. No internet, no sign-ups, no third-party APIs — just pure, secure offline money management.

Key Features:
• Credit Score Simulator & Tracker
Simulate your credit score from 300 to 850, similar to a FICO score.
Input debts, income, missed payments, credit utilization ratio, credit age, payment history, and hard inquiries.
Track credit score changes and trends over time with clear charts and progress graphs.
Understand credit reports, credit ratings, credit score factors, and build healthy credit habits to improve your creditworthiness.

• Debt Management & Payoff Planner
Add and track all your debts — credit cards, personal loans, mortgages, student loans, auto loans, and more.
Use proven debt payoff strategies like snowball and avalanche methods to pay off debt faster and save on interest.
Calculate payoff timelines, interest saved, debt consolidation plans, and manage your debt-to-income ratio.
Visualize your debt payoff progress, monthly payments, outstanding balances, and payment schedules with this debt payoff calculator.

• Budget Tracking & Expense Planner
Create budgets offline for daily, weekly, and monthly expenses.
Add income, categorize expenses, and monitor spending habits with budget limits.
Get visual spending summaries and cash flow charts to stay within budget and improve money management.
Track expenses, bill payments, and control personal and family finances with ease using this budget planner app.

• Loan Calculator & Amortization Schedules
Calculate monthly payments, interest rates, and total costs for mortgages, car loans, personal loans, student loans, and business loans.
View amortization schedules with principal and interest breakdowns over time.
Estimate loan payoff dates and interest savings with a loan payment calculator.

• Payment Reminders & Alerts
Set payment reminders for all bills, loans, and debts to avoid late fees and maintain a positive payment history.
Receive alerts for due dates, overdue payments, and upcoming bills.
Improve your credit score by staying on top of payments with timely notifications.
• Savings Goal Tracker
Set and track savings goals for emergency funds, vacations, or big purchases.
Monitor progress w