PactPlanner

PactPlanner is for the moment when you have promised more than one payment and need to know which promises you can actually keep. You enter your loans, incomes, necessary expenses and protected cash, and the app compares them so each obligation is classified honestly — payable now, or needing negotiation. Key features: • Loans with organization label, received date, next payment date, original amount, current balance, minimum payment and possible daily penalty • Money Reserve — income rows, expense rows, free-until-income and protected cash, with a locally recalculated balance • Obligation fit and "honest week max" — see what can be paid safely instead of guessing • Promise entries with a required reason for any future-dated payment • Contact Log — channel, date and the exact conversation wording, sorted by date • Payment history and a closed-obligations archive you can clear when you want • Optional receipt photo attached to a payment; camera is entirely optional • Local notifications with a manual toggle only • Text summary export • Hide closed obligations, delete records, discard-changes protection Privacy: all data is stored locally on your device through local storage. No network clients, no cloud sync, no accounts, no analytics, no advertising. PactPlanner contains no lender comparison and no loan-offer flow — it only organizes information you type in