What it does

Two debts are free, including the month-by-month estimate. A one-time purchase on Google Play raises the limit to eight debts and adds CSV export. There is no subscription and there are no ads. The buy button shows the price Google Play returns. Restore purchase asks Play whether this account already owns the unlock.

Two debts are free, including the month-by-month estimate. A one-time purchase on Google Play raises the limit to eight debts and adds CSV export. There is no subscription and there are no ads. The buy button shows the price Google Play returns. Restore purchase asks Play whether this account already owns the unlock.

You can order the debts three ways. Smallest balance first puts the lowest remaining balance at the front. Highest rate first puts the highest yearly rate at the front. Manual order keeps the order you set with up and down controls. The order is fixed when the estimate starts.

You can order the debts three ways. Smallest balance first puts the lowest remaining balance at the front. Highest rate first puts the highest yearly rate at the front. Manual order keeps the order you set with up and down controls. The order is fixed when the estimate starts.

Each month, interest is the balance times the yearly rate divided by 12, rounded to the nearest cent. The first debt that still has a balance also receives the extra amount you set. Other debts receive only their minimum, and a payment is never larger than the balance plus that month's interest. When a debt reaches zero, its minimum is added to the extra amount for the debts that remain. The first month is next calendar month. The table stops after 360 months. If a balance would remain, Nilfold says it is not paid off within 30 years. If a payment does not cover the interest, the balance is marked as growing.

Each month, interest is the balance times the yearly rate divided by 12, rounded to the nearest cent. The first debt that still has a balance also receives the extra amount you set. Other debts receive only their minimum, and a payment is never larger than the balance plus that month's interest. When a debt reaches zero, its minimum is added to the extra amount for the debts that remain. The first month is next calendar month. The table stops after 360 months. If a balance would remain, Nilfold says it is not paid off within 30 years. If a payment does not cover the interest, the balance is marked as growing.

The first launch includes two example debts and an extra amount, so the table is filled in before you type your own numbers. Editing an example makes that row yours. Remove examples in Settings deletes only rows that are still examples.

The first launch includes two example debts and an extra amount, so the table is filled in before you type your own numbers. Editing an example makes that row yours. Remove examples in Settings deletes only rows that are still examples.

Amounts accept a comma or a dot and always show two decimals plus a three-letter currency code, such as USD. Names can be up to 40 characters. A yearly rate can be from 0 to 99.99 percent.

Nilfold does not offer loans and does not read contacts, photos, or location. It does not send notifications. Internet is used by Google Play Billing when you buy or restore. There is no account. The file stays on this phone, Android backup is off, and uninstalling deletes it.

Nilfold does not offer loans and does not read contacts, photos, or location. It does not send notifications. Internet is used by Google Play Billing when you buy or restore. There is no account. The file stays on this phone, Android backup is off, and uninstalling deletes it.

From the running app

How a session works

Nilfold is a debt payoff estimate kept on this phone. You type each balance, the yearly interest rate, and the minimum payment. Nilfold builds a month-by-month table from those numbers. It does not connect to a bank, and it does not move money.

Two debts are free, including the month-by-month estimate. A one-time purchase on Google Play raises the limit to eight debts and adds CSV export. There is no subscription and there are no ads. The buy button shows the price Google Play returns. Restore purchase asks Play whether this account already owns the unlock.

You can order the debts three ways. Smallest balance first puts the lowest remaining balance at the front. Highest rate first puts the highest yearly rate at the front. Manual order keeps the order you set with up and down controls. The order is fixed when the estimate starts.

Each month, interest is the balance times the yearly rate divided by 12, rounded to the nearest cent. The first debt that still has a balance also receives the extra amount you set. Other debts receive only their minimum, and a payment is never larger than the balance plus that month's interest. When a debt reaches zero, its minimum is added to the extra amount for the debts that remain. The first month is next calendar month. The table stops after 360 months. If a balance would remain, Nilfold says it is not paid off within 30 years. If a payment does not cover the interest, the balance is marked as growing.

Questions

Does Nilfold connect to a bank?

No. You type the balance, yearly rate, and minimum payment. Nilfold does not link an account, lend money, or move a payment.

What is free, and what does the purchase add?

Two debts are free, including the month-by-month table. A one-time Google Play purchase raises the limit to eight debts and adds CSV export. There is no subscription and no advertising. The button shows the price Play returns.

Where are the numbers stored?

In a local file on this phone. There is no Nilfold account and no upload. Android backup is off. Uninstalling deletes the file. A new phone does not receive the old file.

How is a month calculated?

Interest is the balance times the yearly rate divided by 12, rounded to cents. The first debt that still has a balance also receives the extra amount. Other debts receive only their minimum, capped at the balance plus that month's interest. The table starts next calendar month and stops after 360 months.