---
title: "CreditMate: Docs | phatdev.net"
url: https://phatdev.net/en/docs/creditmate
lang: en
updated: 2026-10-21
alternate:
  vi: https://phatdev.net/docs/creditmate
markdown: https://phatdev.net/en/docs/creditmate.md
---

# CreditMate

> iPhone and iPad app for credit cards, loans and pay-later wallets: shared limits, due reminders, statement and SMS import, card advice, AI assistant, data stays on the device.

## Getting started

- [Introduction and what's new](https://phatdev.net/en/docs/creditmate/gioi-thieu.md): What CreditMate is, its three principles, major changes by version and the documentation index.
- [Install and get started](https://phatdev.net/en/docs/creditmate/cai-dat.md): Requirements, building from source, first launch, sample data, language and troubleshooting.

## Features

- [Card wallet and shared limits](https://phatdev.net/en/docs/creditmate/vi-the.md): Many banks and cards, credit lines counted once, statement dates and due dates.
- [Installments, loans and pay-later wallets](https://phatdev.net/en/docs/creditmate/tra-gop-khoan-vay.md): Annuity, equal principal and flat-rate plans, effective annual rate, early payoff and pay-later wallets.
- [Statements, SMS and screenshots](https://phatdev.net/en/docs/creditmate/nhap-du-lieu.md): PDF statements, bank SMS, banking-app screenshots and CIC reports read on the device into drafts.
- [Card advice, offers and annual fees](https://phatdev.net/en/docs/creditmate/goi-y-the.md): Which card to use, MCC and categories, dated offer data and annual-fee waiver goals.
- [AI assistant](https://phatdev.net/en/docs/creditmate/tro-ly-ai.md): The assistant bubble, AI providers, cost and budget, card knowledge base, drafts only.

## Security & engineering

- [Security and privacy](https://phatdev.net/en/docs/creditmate/bao-mat.md): App lock, a separate PIN, the payment vault, encrypted backups and what is never stored.
- [Architecture and engineering rules](https://phatdev.net/en/docs/creditmate/kien-truc.md): SwiftUI + SwiftData, the CreditMateKit package, integer money, ppm rates, testing.

## Reference

- [Changelog](https://phatdev.net/en/docs/creditmate/changelog.md): Notable changes by version. Latest: 0.3.0 (2026-10-08), 0.4.0 in progress.