Enter a card installment once
Enter an installment purchase once with its amount and number of installments; the remaining months are created for you and shown as “3/12”, so you never count by hand which installment you are on.
Statement day, due day and statement period
Add each card with its limit, statement day, payment due day and a color. The cycle follows your statement day, not the calendar month. Cycle spending, limit usage and what is left for this cycle sit on one screen, and reports break spending down by payment method and card. You can add your debit cards too and pick which debit card paid an expense.
Track money you owe and money you lent
Record what you owe and what people owe you with a name, amount and due date. Add partial payments, follow paid and remaining progress, and see closed and overdue badges. You get a reminder before the due date and can optionally post the payment to your expenses.
Subscription tracker
Add weekly, monthly, quarterly and yearly subscriptions; upcoming renewals show the days left, and the monthly and yearly total cost is calculated for you.
The free version shows how many subscriptions need review and their yearly cost. Pro shows which ones, with a reason: no matching spending, a large share of your monthly spending, or a year of uninterrupted renewals.
Recurring bills and payment reminders
Plan rent, bills and other recurring payments once. Anything marked as pending can remind you 1, 3, 7 or 14 days before it is due. The pending list shows the overdue count and total, and a swipe marks a payment as paid.
Start your month on payday
Set the month start anywhere from the 1st to the 28th; balance, budgets, reports and widgets follow it. If you are paid on the 15th, your month runs from the 15th to the 14th.
Budgets, savings goals and reports
Set category limits, get overspending alerts and compare with the previous month. Follow savings goals with milestones, contribution history and a target date.
Weekly, monthly, quarterly and yearly reports show savings rate, cash flow and category breakdown, and you can create and share a PDF financial report. A financial health score, an end of month forecast and automatic insights are included.
Your records stay on your device
Sincap does not connect to your bank or link accounts, and your financial records are never uploaded to a server. The only external connection is the in-app purchase service. Backups are encrypted with a key stored on your device, with an automatic recovery copy before every restore. No ads, no data selling.
Quick access and appearance
4 widgets: balance, budget ring, upcoming subscriptions and Lock Screen. Voice assistant shortcuts add an expense or income and tell you your balance or remaining budget, and past transactions show up in system search. Category suggestions are learned on device from your own choices.
Light, dark and OLED themes, hidden amounts and notifications with quiet hours. Screen reader, larger text sizes and Reduce Motion are supported. Voice entry of transactions currently works in Turkish.
Free and Pro
Sincap is free to download. The free version includes 3 budgets, 2 goals, 5 subscriptions, 5 debts, 5 cards, 5 custom categories and a PDF report for one period. Pro unlocks unlimited records, subscription review, financial health score, end of month forecast, advanced insights, the full timeline and automatic backups.
Pro is available as a monthly or yearly subscription, or as a one-time lifetime purchase. Your existing records are never locked by a limit.
Frequently asked questions
How do I track credit card installments?
Enter the installment purchase once with its amount and number of installments. Sincap adds the remaining months for you and shows each one as “3/12”.
Does Sincap connect to my bank?
No. There is no bank login and no sign-up. Your financial records are kept on your device and are never uploaded to a server.
How is the statement period calculated?
The cycle follows the card's statement day, not the calendar month. Sincap shows cycle spending, limit usage and what is left for each card based on that cycle.
Can I add my debit card?
Yes. In Debts > My Cards, choose Debit card as the type when you add a card. When you add an expense, pick debit card as the payment method and mark which debit card you paid with. A debit card has no limit or statement day; its spending is grouped by the month start day you set in the app. No card number is asked.
Can I see when my subscriptions renew?
Yes. Weekly, monthly, quarterly and yearly subscriptions show upcoming renewals with the days left, plus the monthly and yearly total cost.
Can I track money I lent or owe?
Yes. Record a name, amount and due date, add partial payments, and get a reminder before the due date.
Is Sincap free?
It is free to download. The free version includes 3 budgets, 2 goals, 5 subscriptions, 5 debts, 5 cards, 5 custom categories and a PDF report for one period. Pro is monthly, yearly or a one-time lifetime purchase, and existing records are never locked by a limit.
How do I restore Pro on a new phone?
In Sincap, tap “Restore Purchases” on the Settings screen or on the Sincap Pro screen; you need to be signed in with the Apple Account you used to buy. This restores Pro access only; your records are kept only on your device.
How do I cancel a subscription?
On your iPhone or iPad, open Settings → Apple Account (your name) → Subscriptions. While Pro is active, you can also get there by tapping “Manage Subscription” on Sincap's Settings screen. The lifetime purchase never renews, so there is nothing to cancel.