D BANK - Money Ledger

D BANK keeps one question in focus: who owes you, how much is still out, and how much is coming back. Your investments and the money you have borrowed can sit in the same ledger, kept separate. FOUR NUMBERS THAT NEVER BLUR TOGETHER - Lent Total — the money still out (Provided) - Total Extra — the extra you are owed on top of it - Next Extra — the extra included in the next collection - This Month — what is scheduled to land this month Provided and Extra are never silently added together. Tap + when you want the combined figure. RECORD IT THE WAY YOU LEND IT - Lump sum or installments (count, interval, and per-installment date shifts) - Extra as a percentage, a fixed amount, or none at all - Extra-only lendings, where the principal stays out on loan - Next due date by "the 10th and 25th of every month" (up to four days) or "N days after lending" - Log a repayment as extra received, as a reduction of what you lent, or split across both NOTHING SLIPS - Reminders before, on, and after the due date (only if you turn them on) - A calendar of what you are due to collect and to pay back (the two are never added together) - Overdue and due-soon lendings surface at the top of the home screen - Everything grouped by person, with a total and a status at a glance (anything fully repaid goes to the bottom) BUILT ON THE ASSUMPTION THAT THIS IS PRIVATE - Your records stay on the device. No analytics, no ads, and no account to create - The app makes only two kinds of request: the purchase check (handled by Apple) and a check for a new version. Neither one carries amounts, names or notes - Lock the app with Face ID or Touch ID, blur amounts, and press and hold to hide a lending you would rather not show - Export and import your data at any time, free INVESTMENTS, IN THE SAME LEDGER - Record what you put in, and what it is worth now (the app never fetches market data - you enter the value yourself) - Record each gain you actually receive - Record top-ups when you add to an investment later - Recovery Rate - see how much of what you invested has come back, as a percentage and a bar (opens with the purchase) WHAT YOU BORROWED, KEPT APART - Record who you borrowed from, the amount (Borrowed), any Extra and the due date - Log repayments against Borrowed or Extra, and see Remaining and what you paid back this month on Home - Never mixed into your lending or investment figures LOOK BACK AT IT ALL (opens with the purchase) - Money Summary - lending, investments and borrowing on one screen, never added together - Monthly Report - Provided lent and returned, Extra received and investment gains by month, with month-on-month changes and a chart - Home cards - choose the order of the cards on Home and which ones to show PRICING - Free for up to 3 lendings, 3 investments and 3 borrowings (counted separately) - A one-time purchase opens all of this: - No limit on how many lendings, investments and borrowings you can register - Recovery Rate - 10 more backgrounds and 20 text colors (2 backgrounds are free) - Eight app icons to choose from - Money Summary, Monthly Report and reordering the Home cards - Whatever you have already recorded stays fully readable, editable and exportable, purchase or not PLEASE NOTE This is a record-keeping tool. It does not move money, arrange loans, run credit checks, or give legal or investment advice. Lending money may be regulated where you live; use it within the law.