Mert Karakış

Coming soon to the App Store & Google Play

When does the debt end?
See it month by month.

Son Taksit takes your assets and debts and simulates 36 months one by one. It answers two questions: when does the cash run out, and when does the debt end?

Sample projection — total debt over 12 months

How it works

  1. 01

    Set up your structure

    Enter assets and debts: cards, loans, overdrafts, term deposits, foreign currency.

  2. 02

    Plan the month

    Place income, expenses and planned payments on the month’s calendar.

  3. 03

    Read the projection

    36 months, simulated one by one: when the cash runs out and when the debt ends.

Features

  • 36-month cash flow

    Every month’s inflow, outflow and closing balance.

  • 7 payoff strategies

    Snowball, avalanche and five more — which one finishes first for you?

  • Daily overdraft interest

    Overdraft interest accrues day by day, and so does the simulation.

  • Cards, loans, deposits, FX

    Product models written against Turkish banking practice, withholding tax included.

  • FX forecasts

    Monthly rate scenarios for foreign-currency holdings — or type your own.

  • Encrypted Google Drive backup

    The backup leaves encrypted; the key stays on your device.

It calculates the way the bank does.

Card minimum payments, daily overdraft interest, deposit withholding tax, the ban on compound interest — every rule comes from current Turkish banking legislation. Results are checked against sample scenarios worked out by hand.

  • By the book

    Minimum payment rates, daily overdraft interest, withholding tax: the same rules your bank follows.

  • Verified results

    Every calculation is checked against sample scenarios worked out by hand.

  • Your data stays put

    The app has no server — even exchange rates are entered by hand.

Screens

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