Ypsilon
Track loans, income, and subscriptions/expenses—and see what's coming next. Everything stays on your device. No account required.
What’s new in version 1.4
More clarity for your finances with Ypsilon 1.4. Discover expense history, flexible archiving, reminders linked to income and expenses, and the new Dashboard notification centre. Track confirmed, estimated and pending amounts separately, with an improved interface on iOS and Android. Your data stays on your device, with no account and no cloud sync.
- Easier expense and income tracking. Choose manual confirmation or automatic estimated tracking, with a clear distinction between confirmed, estimated and pending amounts.
- Expense history. Access totals and details even after archiving. Changing a subscription price preserves the historical amounts already recorded.
- More flexible archiving. Manually archive one-time expenses and income without losing their history or attachments.
- Dashboard notification centre. Open in-app notifications from the Dashboard bell. Notifications you have viewed leave the unread list.
- Reminders linked to your records. Add a reminder directly to a scheduled expense or income entry.
- A clearer Dashboard. Understand “To receive” and “To pay” with helpful explanations, separate overdue amounts from upcoming ones, and identify each record type in upcoming payments.
- Improved loan tracking. Control the first due date, with fixes for start dates, instalment schedules and preservation of paid history.
- A more readable interface. Distinct colours for payment frequencies, creation dates on expense cards, smoother scrolling and improved layouts at larger font sizes.
- Better number entry. Fixes for regional separators, interest-rate precision and amount formatting across supported languages, including Chinese, Hindi and Russian.
- Built-in user guide. An illustrated English-language guide is available offline in Settings, with explanations to help you use the app.
Ypsilon is a record-keeping tool; it does not verify or carry out bank transactions.
📊 Overview
Ypsilon helps you track loans, income, expenses/subscriptions, and upcoming payments in one simple app. Whether you're lending money to a friend, managing a personal loan, tracking a bank credit, or monitoring your monthly subscriptions, Ypsilon provides a clear overview of your financial commitments without complexity or privacy concerns.
All your data stays securely on your device. No account required, no cloud sync, no tracking.
✨ Key Features
💰 Loan Tracking
Track money you've lent to others, borrowed from friends, or owe to banks. Add loan details including principal amount, interest rate, payment frequency, and repayment schedule.
📈 Income Management
Add income sources with recurring paydays—weekly, monthly, quarterly, yearly, or one-time. Track salary, freelance income, or any other revenue stream. See upcoming income alongside loan payments.
💳 Expenses & Subscriptions
Track recurring subscriptions (monthly, yearly, etc.) and one-time expenses. Keep the chosen payment day across months and see how long you've been subscribed. Past items are organized into a month/year archive.
📅 Dashboard Overview
View totals for money to receive and money to pay. See upcoming items from loans, income, and expenses in one unified list, sorted by due date. Quickly identify overdue items and take action.
📊 Cashflow Projection
A 30-day chart shows your expected cashflow based on scheduled loans, income, and expenses. Track net flow over time and plan ahead with confidence.
🧮 Loan Calculator
Calculate loan payments with adjustable interest rates, payment frequency, and loan terms. Experiment with different scenarios before committing to a loan.
🌍 Multi-Currency Support
Add loans and income in different currencies. Each entry displays in its original currency, making it easy to manage international finances.
Additional Features
- Track loans (lent, borrowed, bank credit)
- Manage income sources and paydays
- Track subscriptions and one-time expenses
- View upcoming payments in one place
- 30-day cashflow overview (loans + income + expenses)
- Mark payments as paid or postpone them
- Overdue detection (calendar-day based)
- Multi-currency support
- On-device data only - complete privacy
- No account required
📱 Screenshots
Android
iOS
🎯 Why Choose Ypsilon
- Privacy-First: Your data never leaves your device
- No Account Required: Start tracking immediately
- Multi-Currency: Manage finances in any currency
- Clear Overdue Detection: Know exactly what's overdue
- Simple Interface: Focus on what matters
- Complete Control: Mark paid, postpone, or adjust as needed
- Cross-Platform: Available on iOS and Android
Ypsilon is designed for anyone who wants a clear view of their personal loans, income, and payment schedule without complexity or privacy concerns.
Privacy Policy
Effective Date: January 1, 2026
Introduction
Ypsilon is designed with privacy as a core principle. Your financial data is personal and sensitive, and we believe it should remain under your control at all times.
Data Collection
Ypsilon collects and stores the following information locally on your device:
- Loan information (principal amount, interest rate, counterparty details, payment schedules)
- Income sources and payment schedules
- Payment history (marked as paid or postponed)
- App preferences and settings (currency, language, notification preferences, appearance mode)
Important: All data is stored exclusively on your device. Ypsilon does not transmit, upload, or sync any of your financial information to external servers or third-party services.
How We Use Your Information
The data you enter into Ypsilon is used solely to provide the app's functionality:
- Display loan and income information
- Calculate payment schedules and cash flow projections
- Send local notifications for upcoming payments (if you enable notifications)
- Maintain your app preferences
Your data is never used for analytics, advertising, profiling, or any purpose beyond the core functionality of the app.
Data Storage and Security
All data is stored locally on your device using iOS secure storage mechanisms provided by Apple. The security of your data depends on:
- Your device's passcode or biometric authentication
- iOS system-level security features
- Optional Face ID/Touch ID app lock (if you enable it in settings)
Ypsilon does not implement additional encryption beyond what iOS provides by default, as all data remains on-device and is protected by iOS security features.
Data Sharing
Ypsilon does not share, sell, transmit, or otherwise disclose your personal information to any third parties. There are no analytics services, advertising networks, or data brokers involved.
The only exception is if you explicitly choose to export or share data using iOS system features (such as sharing a screenshot or using system backup features). These actions are entirely under your control.
Notifications
If you enable notifications in the app settings, Ypsilon will schedule local notifications on your device to remind you of upcoming payments. These notifications are generated and delivered entirely on your device. No notification data is sent to external servers.
You can disable notifications at any time in the app settings or in iOS system settings.
User Control and Data Deletion
You have complete control over your data:
- Edit or Delete Entries: You can modify or delete any loan, income source, or payment at any time
- Reset App: You can delete all data by using the "Reset App" option in settings
- Uninstall: Deleting the app from your device permanently removes all data
There is no account to close or server-side data to request deletion of, as no data ever leaves your device.
Children's Privacy
Ypsilon is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has used the app, you can simply delete the app from their device to remove all data.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in the app or legal requirements. Any changes will be posted within the app and on this website. Continued use of the app after changes are posted constitutes acceptance of the updated policy.
Contact Information
If you have questions or concerns about this Privacy Policy, please contact us:
Email: contact@ityes.eu
Website: https://ityes.eu
Terms of Service
Effective Date: January 1, 2026
1. Acceptance of Terms
By downloading, installing, or using Ypsilon (the "App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the App.
2. Description of Service
Ypsilon is a personal finance application designed to help users track loans, manage income, and monitor payment schedules. The App provides tools for:
- Recording and tracking loans (lent, borrowed, or owed to financial institutions)
- Managing income sources and paydays
- Viewing upcoming payments and cash flow projections
- Calculating loan payments with various interest rates and terms
3. License to Use
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes.
4. User Responsibilities
You are responsible for:
- Accuracy of Data: Ensuring that all information you enter into the App is accurate and up to date
- Device Security: Protecting your device with a passcode or biometric authentication
- Backup: Creating backups of your data using iOS backup features if desired
- Compliance: Using the App in compliance with all applicable laws and regulations
5. No Financial Advice
Ypsilon is a tool for tracking and organizing financial information. It does not provide financial, legal, tax, or investment advice. The App:
- Does not recommend specific loans, interest rates, or financial products
- Does not verify the accuracy of calculations or projections
- Does not guarantee any financial outcomes
You should consult with qualified financial, legal, or tax professionals before making financial decisions.
6. Limitation of Liability
Important: Ypsilon is provided "as is" without warranties of any kind, either express or implied.
To the maximum extent permitted by law:
- We are not liable for any damages arising from your use of the App, including but not limited to financial losses, missed payments, incorrect calculations, or data loss
- We do not guarantee that the App will be error-free, uninterrupted, or free from bugs
- You use the App at your own risk
7. Data and Privacy
All data entered into the App is stored locally on your device. We do not collect, transmit, or store your financial information on external servers. Please refer to our Privacy Policy for detailed information about data handling.
8. Prohibited Uses
You may not:
- Use the App for any illegal or unauthorized purpose
- Attempt to reverse engineer, decompile, or disassemble the App
- Use the App in any way that could damage, disable, or impair the App
- Remove or alter any copyright, trademark, or proprietary notices
9. Intellectual Property
The App, including its design, features, text, graphics, and code, is owned by us and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the App without our express written permission.
10. Updates and Changes
We may update the App from time to time to add features, fix bugs, or improve performance. We may also modify these Terms of Service. Continued use of the App after updates or changes constitutes acceptance of the updated Terms.
11. Termination
You may stop using the App at any time by deleting it from your device. We reserve the right to terminate or restrict your access to the App if you violate these Terms.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which the App developer is located, without regard to conflict of law principles.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the use of the App.
Contact Information
If you have questions about these Terms of Service, please contact us:
Email: contact@ityes.eu
Website: https://ityes.eu