Kridi: Credit & Debt Tracker

Kridi (كريدي) is a personal credit and debt tracker made for Morocco. A phone on twelve instalments, the carnet at the hanout, a salaf from a cousin, a consumer loan, your daret turn — Kridi keeps them all in one ledger, in dirhams, and tells you what is due next. Kridi is a tracker, not a lender. It never lends money, never scores your credit and never connects to a bank. WHAT IT DOES • Every credit in one place: instalment purchases, consumer loans, carnet, salaf, daret and money you lent to others • A payment schedule generated for you, with partial payments and early payoff handled correctly • Reminders before each due date, with Mark paid and Snooze right from the notification • A dashboard that shows what is due next, what is late and how much is left in total • Statistics: monthly outgoings, on-time score and a payoff projection • History and calendar views, CSV and PDF export • A home-screen widget with your next payment • A lending ledger for money you lent, with a WhatsApp reminder ready to send • Arabic, French and English, right-to-left throughout, light and dark theme PRIVATE BY DESIGN • Works fully offline — your data stays on your phone • Optional app lock with fingerprint or face • Optional cloud backup: sign in with Google and your ledger is encrypted before it leaves the phone, so you can restore it on a new device. Off until you switch it on. • No analytics, no tracking of amounts, no bank connection, no SMS access Kridi shows ads to stay free. They never cover your data, never appear while you enter a payment, and never advertise loans, gambling or cryptocurrency. Privacy policy: https://gist.githubusercontent.com/elhiba/59795443168cd81c718140460370419e/raw/kridi-privacy-policy.md