CreditMate

What CreditMate is, its three principles, major changes by version and the documentation index.

Requirements, building from source, first launch, sample data, language and troubleshooting.

Many banks and cards, credit lines counted once, statement dates and due dates.

Annuity, equal principal and flat-rate plans, effective annual rate, early payoff and pay-later wallets.

PDF statements, bank SMS, banking-app screenshots and CIC reports read on the device into drafts.

Which card to use, MCC and categories, dated offer data and annual-fee waiver goals.

The assistant bubble, AI providers, cost and budget, card knowledge base, drafts only.

App lock, a separate PIN, the payment vault, encrypted backups and what is never stored.

SwiftUI + SwiftData, the CreditMateKit package, integer money, ppm rates, testing.

Notable changes by version. Latest: 0.3.0 (2026-10-08), 0.4.0 in progress.