Ypsilon

Ypsilon helps you track loans, income, expenses/subscriptions, and upcoming payments in one simple app.

**Loans**
Track money you've lent to others, borrowed from friends, or owe to banks. Add loan details, payment schedules, and mark payments as paid. View overdue payments at a glance.

**Income**
Add income sources with recurring paydays (weekly, monthly, quarterly, yearly, or one-time). See upcoming income alongside loan payments for a complete financial picture.

**Expenses & Subscriptions**
Track recurring subscriptions (monthly, yearly, etc.) and one-time expenses. Keep the chosen payment day across months and see how long you’ve been subscribed. Past items are organized into a month/year archive so the app stays focused on what’s next.

**Dashboard**
View totals for money to receive and to pay. See upcoming items from loans, income, and expenses in one list, sorted by due date. Quickly identify overdue items.

**Cashflow**
A 30-day chart shows your expected cashflow based on scheduled loans, income, and expenses. Track net flow over time.

**Calculator**
Calculate loan payments with adjustable interest rates, payment frequency, and loan terms.

**Multi-Currency**
Add loans and income in different currencies. Each entry displays in its original currency.

**Privacy**
All data stays on your device. No account, no cloud sync, no tracking. Your financial information never leaves your phone.

**Key Features**
• Track loans (lent, borrowed, bank credit)
• Manage income sources and paydays
• Track subscriptions and one-time expenses
• View upcoming payments in one place
• 30-day cashflow overview (loans + income + expenses)
• Mark payments as paid or postpone them
• Overdue detection (calendar-day based)
• Multi-currency support
• On-device data only
• No account required

Ypsilon is designed for anyone who wants a clear view of their personal loans, income, and payment schedule without complexity or privacy concerns.